vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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 explanation
Consumer complaint received 2025-06-03 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: IL

Complaint narrative:
I am submitting this complaint because all three major credit bureausEquifax, Experian, and TransUnionhave failed to remove two fraudulent accounts from my credit report, despite receiving a complete identity theft dispute with all required documentation. 

The accounts in question are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am the victim of identity theft. I did not authorize, open, use, or benefit from these accounts. They were fraudulently created without my knowledge or consent. 

On a prior occasion, I submitted a formal dispute to all three bureaus, which included : A copy of my government-issued ID A recent utility bill showing my current address A police report/ FTC Identity Theft Report A written statement explaining the fraud Despite submitting this documentation, the credit bureaus refused or failed to block or remove the fraudulent accounts, which is a direct violation of federal law.

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ) : FCRA 605B ( 15 U.S. Code 1681c2 ) requires credit reporting agencies to block all information resulting from identity theft within XXXX business days of receiving proper identification and documentation.

The continued reporting of these fraudulent accounts, after documentation was provided, constitutes a willful violation of my rights.

Per FCRA 616 and 617, I reserve the right to seek : Actual damages Statutory damages up to {$1000.00} per violation Punitive damages Attorneys fees Relief Requested : I am demanding the immediate deletion and permanent suppression of the following accounts from all of my credit reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additionally, I request : Written confirmation from all three bureaus that the accounts have been removed A new copy of my updated credit report reflecting these changes Next Steps : If the accounts are not removed within 10 business days, I will pursue legal action and request investigation by : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Illinois Attorney General 's Office This is your final notice to comply with federal law and cease the reporting of false and damaging information related to identity theft.

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 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am requesting that Goldman Sachs, the issuer of the Apple Card, remove internal flags that prevent me from reapplying for a new Apple Card account. 

My previous Apple Card account was charged off on XX/XX/year>. I reside in New York, where the statute of limitations for consumer debt is 3 years. The debt is now time-barred and no longer legally enforceable. I am not seeking to reopen the old account, nor am I disputing the reporting or acknowledging liability. 

My request is solely for Goldman Sachs to review and remove internal eligibility restrictions, which automatically block new applications regardless of current credit status. 

I have attempted to resolve this multiple times via Apple Card support chat. However, the conversation resets with each new rep, and my message is never escalated or addressed. In one instance, the chat was ended without resolution.

I am filing this complaint to request that Goldman Sachs formally review and respond to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
Dear CFPB, I am submitting this complaint regarding XXXXXXXX XXXX XXXX XXXX XXXXXXXX in connection to repeated inaccurate and harmful late payment reporting on my credit profile. 

Here is the issue : On XX/XX/XXXX, I made a payment that was later returned. However, I resolved the full delinquency with a payment on XX/XX/XXXX, which covered XXXX full months ( XXXX ). 

Again, I made a payment on XX/XX/XXXX, that was later reversed, but paid the full balance again by XX/XX/XXXX. 

Despite these payments fully catching up the loan, XXXX XXXX  continued to report my account as delinquent and refuses to adjust the credit reporting to reflect the corrected and current payment status. 

Ive requested a courtesy update, or at minimum, a correction of the reporting timeline that inaccurately marks me as late for payments that were eventually fulfilled in full.

Per Section 607 of the FCRA, CRAs must ensure maximum possible accuracy, and per Section 611, creditors must re-investigate disputed items in good faith. By ignoring my dispute and declining to update the record based on full repayment, this servicer is in violation of both. Additionally, Section 616 allows for civil liability for willful noncompliance, which I believe applies here.

I respectfully request your investigation and assistance in forcing the creditor to either : Update the reporting to show current/paid status from XX/XX/XXXX through present, without delinquencies, or Delete the tradeline entirely due to unverifiable and misleading payment status data. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2025-06-03 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:
Dear CFPB, I am submitting this complaint regarding XXXXXXXX XXXX XXXX XXXX XXXXXXXX in connection to repeated inaccurate and harmful late payment reporting on my credit profile. 

Here is the issue : On XX/XX/XXXX, I made a payment that was later returned. However, I resolved the full delinquency with a payment on XX/XX/XXXX, which covered XXXX full months ( XXXX ). 

Again, I made a payment on XX/XX/XXXX, that was later reversed, but paid the full balance again by XX/XX/XXXX. 

Despite these payments fully catching up the loan, XXXX XXXX  continued to report my account as delinquent and refuses to adjust the credit reporting to reflect the corrected and current payment status. 

Ive requested a courtesy update, or at minimum, a correction of the reporting timeline that inaccurately marks me as late for payments that were eventually fulfilled in full. 

Per Section XXXX of the FCRA, CRAs must ensure maximum possible accuracy, and per Section 611, creditors must re-investigate disputed items in good faith. By ignoring my dispute and declining to update the record based on full repayment, this servicer is in violation of both. Additionally, Section 616 allows for civil liability for willful noncompliance, which I believe applies here. 

I respectfully request your investigation and assistance in forcing the creditor to either : Update the reporting to show current/paid status from XX/XX/XXXX through present, without delinquencies, or Delete the tradeline entirely due to unverifiable and misleading payment status data. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding XXXXXXXX XXXX XXXX XXXX XXXXXXXX in connection to repeated inaccurate and harmful late payment reporting on my credit profile. 

Here is the issue : On XX/XX/XXXX, I made a payment that was later returned. However, I resolved the full delinquency with a payment on XX/XX/XXXX, which covered XXXX full months ( XXXX ). 

Again, I made a payment on XX/XX/XXXX, that was later reversed, but paid the full balance again by XX/XX/XXXX. 

Despite these payments fully catching up the loan, XXXX XXXX  continued to report my account as delinquent and refuses to adjust the credit reporting to reflect the corrected and current payment status. 

Ive requested a courtesy update, or at minimum, a correction of the reporting timeline that inaccurately marks me as late for payments that were eventually fulfilled in full.

Per Section 607 of the FCRA, CRAs must ensure maximum possible accuracy, and per Section 611, creditors must re-investigate disputed items in good faith. By ignoring my dispute and declining to update the record based on full repayment, this servicer is in violation of both. Additionally, Section 616 allows for civil liability for willful noncompliance, which I believe applies here. 

I respectfully request your investigation and assistance in forcing the creditor to either : Update the reporting to show current/paid status from XX/XX/XXXX through present, without delinquencies, or Delete the tradeline entirely due to unverifiable and misleading payment status data. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2025-06-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
From XX/XX/XXXX to present, my payments have been applied incorrectly due to an internal error. And although, I make payments on time, this causes late fees. 

I have made multiple complaints to fix the issue, and some of the complaints have not been logged into PennyMac systems. 

This has resulted in multiple late fee being applied, although I have had automatic payment since my mortgage started. 

Internally, starting XX/XX/XXXX, my payments were applied to principal instead of a regular mortgage payment. I did not make any changes to my automatic payment method starting in XXXX. 



Please let me know if you require any additional information of me to investigate this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
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 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 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: MI

Complaint narrative:
I obtained a copy of my LexisNexis consumer disclosure file and discovered multiple inquiries and entries from companies I have never interacted with, authorized, or applied to. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These entities do not appear on my XXXX XXXX XXXX XXXX credit reports, and I have no recollection of ever applying for credit, leasing, or services with them. I did not grant permission for them to access or share my information through LexisNexis.

This activity appears to be in violation of the Fair Credit Reporting Act ( FCRA 604 ), which requires a permissible purpose and consumer consent to access or share personal information. LexisNexis has shared or reported this data without confirming its accuracy or ensuring it reflects actual transactions involving me.

Additionally, these inquiries and entries : Are misleading and misrepresent my credit-seeking behavior, Could negatively impact my insurance risk rating and financial credibility, Were never present in any mainstream credit bureau records .

I have initiated a direct dispute with LexisNexis and am requesting CFPBs assistance in : 1. Investigating whether these companies had a legal basis to access or report to LexisNexis, 2. Enforcing deletion of all unauthorized inquiries and entries from my LexisNexis file, and 3. Ensuring LexisNexis does not furnish, resell, or distribute any information associated with these unauthorized listings. 

I am pursuing this matter to protect my consumer rights and ensure no further harm is caused by inaccurate or improperly accessed data. 

I am uploading supporting documentation, including my LexisNexis consumer file and my current credit reports from XXXX XXXX XXXX to demonstrate that these disputed inquiries and entries do not appear on any other bureau report. This further supports that the listings were unauthorized and should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Federal Adjustment Bureau, Inc.
State: NE

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-06-03 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
15 U.S.C. 1681c-2 States that any information relating to fraud must be moved immediately and this company or the CRA has removed them even after I submitted my FTC report . They continue to report fraudulent information on my 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 2025-06-03 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: WI

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

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 2025-06-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to express my deep disappointment with how this issue has been handle thus far. I am a victim of identity theft, and there are multiple accounts listed on my credit report that I did not apply for. I am requesting the removal of these inaccurate items from my credit file. 

Attached is a word document listing the specific items that need to be deleted, as well as copies of my supporting documents, including the report I filed with the Federal Trade Commission. 

I kindly request that these items be removed from my credit report as soon as possible, ensuring that only accurate information remains. 

Thank you for your prompt attention to 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 2025-06-03 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: AL

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 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