vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
I am submitting to formally dispute several inaccuracies reported on my Experian, Equifax and TransUnion credit report. Upon careful review, I have identified multiple items, including late open accounts, charge-offs, late closed accounts, and collections, that are reported inaccurately, incompletely, or in a misleading manner. 
These inaccuracies materially misrepresent my financial history and negatively impact my creditworthiness. I am requesting that Experian, Equifax and TransUnion conduct a thorough reinvestigation of all disputed items, verify the information directly with the furnishers, and promptly update or correct any inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ), including 607 ( b ) regarding maximum possible accuracy, 611 ( 15 U.S.C. 1681i ) governing reinvestigation of disputed information, 623 ( a ) ( 2 ) obligating furnishers to correct and update information, 605 ( a ) concerning obsolete or misleading information, and 609 ( 15 U.S.C. 1681g ) regarding my right to full disclosure of supporting documentation. 

XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
I am submitting to formally dispute several inaccuracies reported on my Experian, Equifax and TransUnion credit report. Upon careful review, I have identified multiple items, including late open accounts, charge-offs, late closed accounts, and collections, that are reported inaccurately, incompletely, or in a misleading manner. 
These inaccuracies materially misrepresent my financial history and negatively impact my creditworthiness. I am requesting that Experian, Equifax and TransUnion conduct a thorough reinvestigation of all disputed items, verify the information directly with the furnishers, and promptly update or correct any inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ), including 607 ( b ) regarding maximum possible accuracy, 611 ( 15 U.S.C. 1681i ) governing reinvestigation of disputed information, 623 ( a ) ( 2 ) obligating furnishers to correct and update information, 605 ( a ) concerning obsolete or misleading information, and 609 ( 15 U.S.C. 1681g ) regarding my right to full disclosure of supporting documentation. 

XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This situation has completely turned my XXXX  XXXX XXXX. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future. 

I'm writing because my identity has been stolen, and it has caused me more stress than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now Im being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like Im being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Stenger & Stenger, P.C
State: IN

Complaint narrative:
Law firm sueing and multiple calls and letters should already be closed and charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FL

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 explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I purchased a payment plan from XXXX. It was for a trip to XXXX. Prior to the couple months leading up to this trip covid 19 happened. The trip happened right in the peak of covid 19 and all international travel was shut down. I canceled the hotel and flight and they are still charging me and sent my case over to claims. I never went on the trip and no money was spent. This is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Earlier this year XXXX my husband went to take out a loan it ended up being a fraudulent loan company that got our sign in information which gave them access to our account, they started reversing all big payment, my mortgage, car payment, insurance payments and took us for almost XXXX dollars. Chase closed our account out and is saying we owe them the money when we didnt authorize the reversals. I cant open any bank accounts or anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: AZ

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: NY

Complaint narrative:
I am submitting a fourth follow up complaint to formally demand the immediate removal of the inaccurate and unverifiable account XXXX XXXX XXXX XXXX XXXX from my Equifax and TransUnion credit reports. Despite my previous disputes, this account continues to be reported with a balance of {$6900.00} as a charge-off, even though no supporting documentation exists, including a 1099-C, in direct violation of FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). Its continued presence on my reports is misleading, false, and harmful to my creditworthiness. 
The failure to remove this account after repeated disputes demonstrates a clear violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), as neither bureau has conducted a proper reinvestigation to verify the accuracy of this information. It also violates FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2, as the furnisher has provided unverifiable information, which should not continue to appear on my credit reports in any form. The charge-off status and reported balance are unsubstantiated and continue to create a false impression of my credit 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 non-monetary relief
Consumer complaint received 2025-12-16 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:
Consumer : XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX. 
Account : XXXX XXXX ending XXXX XXXX XXXX XXXX XXXXXXXX This letter constitutes a formal escalation dispute pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I previously disputed the accuracy of the above-referenced account. XXXX XXXX XXXXXXXX failed to provide lawful verification or demonstrate that a reasonable investigation was conducted as required by 15 U.S.C. 1681s-2 ( b ). The furnisher relied on internal account summaries and conclusory statements, which do not constitute verification under federal law. As a result, the information currently reported remains inaccurate and unverifiable. Under 15 U.S.C.

1681i ( a ) ( 1 ), any information that can not be verified must be deleted or corrected. Continued reporting of this account without proper verification violates the FCRA. I have attached supporting documentation, including my formal dispute and XXXX  XXXX XXXX insufficient response. 
Requested Action : 1. Conduct a reinvestigation pursuant to 15 U.S.C. 1681i ; 2. Delete or correct all inaccurate or unverifiable information associated with this account ; 3. Provide written confirmation of the results of your reinvestigation. 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 non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
EASTERN ACCOUNT SYSTEM I Re : Account Opened XX/XX/year> Reported Balance {$440.00} To Whom It May Concern : I am disputing the above-referenced account and requesting that you cease all collection activity immediately, including reporting or communicating information regarding this alleged debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation of this debt, including : Proof that I am the correct debtor Complete account statements Original creditor information Proof of your authorization to collect Until proper validation is provided, you must stop all collection efforts and remove any unverified reporting from my credit file.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
In XX/XX/year>, I discovered that my private student loan serviced by XXXX  XXXX XXXX ( XXXX ) was being reported to XXXX XXXX, and XXXX  as revolving credit. This reporting resulted in a significant and sudden drop in my credit score due to utilization calculations. 

I filed formal disputes with all three credit bureaus in XX/XX/year>, asserting that the account was being misclassified and inaccurately reported. The disputes were marked as verified without any visible correction to the account type or reporting, and the negative credit impact remained. 

On XX/XX/year>, I contacted XXXX directly in writing to request a review of the account, clarification of the credit reporting, and correction of the inaccurate information. I specifically requested a written update, confirmation of whether the reporting was inaccurate, and an estimated timeline for correction. 

XXXX responded by stating that the loan is a private student loan line of credit and asserted that they are reporting accurately, without addressing the credit score impact, utilization treatment, or providing a substantive explanation as to why the account is reported as revolving credit. No correction or remediation was offered. 

As of today, the account continues to be reported in a manner that materially and negatively affects my credit profile. I am requesting a regulatory review to determine whether this reporting is accurate, complete, and not misleading under the Fair Credit Reporting Act, and to require correction if it is found to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Blitt and Gaines, P.C.
State: IN

Complaint narrative:
Saying I owe XXXX when the card had XXXX  limit. 

saying there going to take me to jail garnish wages ect..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am filing this complaint because the credit reporting agencies are unlawfully reporting a XXXX XXXX XXXX on my consumer credit file that is inaccurate and unverifiable. 

I have provided written documentation from the bankruptcy court confirming that the court does not furnish bankruptcy information to consumer reporting agencies. In addition, XXXXthe public-record data supplier used by the credit bureaushas removed the bankruptcy from its files, confirming the record is not reportable and not verifiable. 

Despite being provided this documentation, the credit bureaus continue to report the bankruptcy under Chapter XXXX account/case number XXXX. Because the originating court does not report and the upstream data supplier has deleted the record, the bureaus have no lawful method of verification. 

This constitutes violations of the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 607 ( b ), 609 ( a ), and 611 ( a ), for failure to maintain reasonable procedures to assure maximum possible accuracy and for continuing to report unverifiable public-record information. 

I am demanding immediate deletion of the XXXX XXXX XXXX in its entirety. I am not requesting an update or correction. The information must be deleted because it can not be verified at its source. 

I am attaching supporting documentation, including the XXXX deletion confirmation and court correspondence, which clearly establish that this bankruptcy is unlawfully reported.

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 2025-12-16 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: CA

Complaint narrative:
I am filing this complaint regarding unauthorized and/or unverified hard inquiries appearing on my credit report. 

I recently reviewed my credit reports and noticed multiple hard inquiries that I did not authorize, did not consent to, and have no knowledge of. These inquiries are negatively impacting my credit score and overall credit profile.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute inaccurate, incomplete, or unverifiable information. I am formally requesting that each company reporting these inquiries provide documented proof of authorization, including but not limited to : A signed application or contract Proof of permissible purpose Date and method of authorization If the furnisher or credit bureau can not provide proper verification, the inquiry must be removed immediately. 

I previously attempted to address these matters, yet the inquiries remain without valid verification. This continued reporting of unverified information is causing ongoing harm.

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 2025-12-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA

Complaint narrative:
I am filing this complaint regarding Marcus by Goldman Sachs handling of ACH transfers and the delayed disclosure of transfer restrictions that materially prevented me from accessing my own funds for a time-sensitive real estate closing. 

In preparation for closing on a home, my Marcus savings account held approximately {$800000.00}. Of this amount, approximately {$660000.00} ( excluding money market interest ) originally came from Marcus to my XXXX XXXX  account and was later transferred back to Marcus. The remaining balance represented funds already held at Marcus plus accrued interest. The majority of the funds were therefore my own funds that had previously passed through Marcus. 

On XX/XX/year>, I initiated an outbound transfer from Marcus in order to move funds to another bank account in my name to fund my home closing. This transfer was initiated by phone with a Marcus representative, not self-service. During that call : The Marcus representative processed the transfer No mention was made of any quick transfer, hold, restriction, or limitation I was not warned that initiating the transfer could result in loss of outbound access to my funds One business day after the transfer was initiated, Marcus informed me that a quick transfer restriction had been applied. As a result : Marcus refused to complete the transfer that their own representative had initiated Marcus refused to allow outbound ACH transfers to another account in my name Marcus refused to allow an external bank to pull the funds Marcus informed me that only the originating institution could pull the funds back This restriction was disclosed after I had already relied on Marcus guidance and initiated the transfer with their assistance.

Why This Is a Problem 1. Delayed Disclosure After Reliance Marcus did not disclose the existence or consequences of the quick transfer restriction at the time the transfer was initiated, even though it was processed by a Marcus representative. The restriction was disclosed only after the transfer was already in progress.

2. Unreasonable Restriction on Previously Held Funds The majority of the restricted funds were not new, unknown, or third-party funds, yet Marcus treated them as such without explanation.

3. No Opportunity to Make an Informed Decision Had Marcus disclosed that initiating the transfer could effectively immobilize my funds for multiple business days, I would not have proceeded and would have used an alternative funding path.

4. No Escalation or Exception Process Marcus provided no internal escalation path or exception for legitimate, time-sensitive transactions such as a real estate closing.

5. Material Consumer Harm Marcus delayed disclosure and subsequent restriction jeopardized my ability to close on a home, despite prudent financial planning and lawful transfer activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Your Name Your Address City, State ZIP SSN ( Last XXXX ) Date of Birth Date Re : Incorrect Foreclosure Reporting Account Paid in Full by Sale Proceeds To Whom It XXXX Concern, I am disputing the accuracy of the following account on my credit report : Creditor Name : XXXX federal Account Number : _____________________ This mortgage loan was fully satisfied through foreclosure sale proceeds. The total amount received from the foreclosure sale exceeded the outstanding loan balance, resulting in a zero balance owed. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), information reported must be accurate and complete. Reporting this account as anything other than paid in full with a {$0.00} balance is inaccurate and misleading.

I am requesting that this account be corrected to reflect the following : Account Status : Paid as Agreed/ Paid in Full Balance Owed : {$0.00} Past Due Amount : {$0.00} Account Closed Please conduct a reasonable investigation and correct or delete this inaccurate information as required by law. 

Sincerely, Your Name Documents to Attach ( Very Important ) Attach copies ( never originals ) of : Foreclosure sale settlement statement Trustees deed upon sale Payoff or accounting showing {$0.00} balance Any surplus funds notice ( if applicable ) How to Send Certified mail ( recommended ) or Online dispute with uploaded documents If They Refuse or Verify Incorrectly Next steps : File a CFPB complaint File a State Attorney General complaint Send a Direct Dispute to the lender under FCRA 1681s-2 ( b ) Important Reminder The foreclosure event may remain historically, but no balance, deficiency, or past-due amount may be reported once the loan is satisfied.

If you want, tell me : Which bureau ( XXXX XXXX XXXX ) Exact current reporting language I can tailor this letter to force correction instead of a generic response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation