vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud, within 4 business days of your receipt of this complaint. 

The fraudulent, inaccurate, and false information consists of personal credit card accounts opened without my knowledge or authorization, including but not limited to : XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX Bank ( XXXX ) Account Number : XXXX XXXX Bank Account Number : XXXX These unauthorized accounts have also resulted in several fraudulent hard inquiries and fraudulent collections now appearing on my consumer XXXX credit report. 

I have attached : A list of the hard inquiries in question A copy of my consumer XXXX credit report maintained by you, which shows the aforementioned fraudulent items A copy of FTC Identity Theft Criminal Complaint # XXXX, filed with the U.S. Federal Trade Commission, as formal proof that these accounts, collections, and inquiries are the result of identity theft and fraud I do not recognize any of the above accounts, collections, or hard inquiries. These were not opened, made, or initiated by me. They are the result of criminal identity theft, and I request that you promptly block this information from my credit report, as required under FCRA 605B.

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 2025-09-15 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: AL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, several inaccurate and unverifiable negative accounts were reported to my credit file by multiple companies. These include collections, charge-offs, and late payments that I do not recognize or that lack proper documentation. 
On XX/XX/XXXX, I reviewed my credit reports from all three major credit bureaus and identified the following disputed 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 XXXX XXXX XXXX I sent formal dispute letters to Experian, XXXX  and XXXX, citing violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) for maximum possible accuracy and 15 U.S.C. 1681g for full file disclosure. I requested verification or permanent deletion of these accounts if the companies could not provide proper documentation. 
At the same time, I sent debt validation letters to each collection agency and creditor, requesting the following : Date of delinquency Date of last payment Date of charge-off Full chain of assignment showing legal ownership of the debt Original signed contracts or agreements proving liability Itemized accounting of all charges To date, these companies have continued reporting the debts without providing adequate proof. This ongoing reporting of unverifiable and inaccurate information is causing significant harm to my credit standing. 
I am requesting that the credit bureaus and companies involved remove these accounts immediately unless full documentation is provided. I am also requesting a full investigation into these violations and appropriate corrective actions.

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 2025-09-15 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: SC

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting 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 unfeasible. The CFPB 's 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I need to make it clear that this complaint is not mistaken. My credit report contains inaccuracies that compromise its accuracy. These errors are causing significant harm and continue to negatively impact me. Immediate action is required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against Equifax Information Services, LLC for willful violations of the Fair Credit Reporting Act ( FCRA ) and unfair business practices related to the handling of my credit disputes.

Despite submitting multiple certified dispute letters to Equifax more than 60 days apart, Equifax failed to initiate any reinvestigation until after I subscribed to Equifaxs own credit monitoring service. This practice is a clear violation of FCRA 611 ( a ) ( 1 ) ( A ), which requires a consumer reporting agency to reinvestigate a consumers dispute upon receipt, free of charge. Conditioning reinvestigation on the use of Equifaxs paid service constitutes an unfair and deceptive practice.

Further, Equifax is cherry-picking which disputes to investigate, ignoring valid disputes while continuing to report inaccurate information, including but not limited to : XXXXXXXX XXXX Improper charge-off reporting, unverifiable balance. 

XXXX XXXX Failure to reflect corrections confirmed by the furnisher ( XXXX {$10000.00} ; XXXX XXXX XX/XX/year> ; updated payment history ). 

XXXX Servicing Inaccurate XXXX delinquency notations during deferment/forbearance. 

Bankruptcy Public Record Continued reporting without verifiable documentation from the original court. 

Requested Relief : I request that the CFPB : Compel Equifax to conduct a full reinvestigation of all disputed tradelines. 

Remove any unverifiable or inaccurate items from my credit file. 

Investigate Equifaxs practice of delaying disputes unless consumers subscribe to their services, which is both unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: MS

Complaint narrative:
After reviewing my credit report, I recognized a fraudulent account that have been reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: NJ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation
Consumer complaint received 2025-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX XXXX we, my wife XXXX and I went to BMO bankto talk to the Bank manager concerning a problem with an online loan we were trying to get. The manager told us we were getting scammed and proceeded to close our accounts and open new ones.At this time we were told of Fraud taking place and what to do next. My wife spoke with the Bank manager about what had taken place. The loan officer with the loan had instructed us to purchase 2 money cards, one for XXXXdollars and another card for XXXXdollars. Then send the imformation to him over the phone, card number and amount, as I tried to send second card to him, he stated it did not work and that is when we went to our Bank and spoke with the Bank manager.Now we spent our money on these card and the Bank accused us of fraud which after 30 plus years with BMO we have never had any problems especially being accused of fraud. As this situation continued we were told that the Bank was going to keep our money any where from 4 to 6 weeks while investigating the fraud on our account. we spoke with the Bank this morning without resolving the problem that had occured. Time allowed is past and with all the hardships and stress they have caused we deserve alot more in return.

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 2025-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Debt is long out of statute and has been discharged which they know. yet they continue to call me from multiple numbers at all hours of the day often multiple times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: OH

Complaint narrative:
Apple Card refuses to resolve my dispute within a timely manner, stating they have XXXX days. In the meantime, theyve locked up my balance to the point that I couldnt even pay off my card and then use the full credit allotment. So XXXX of my available balance is being held up for XXXX of the year because I disputed XXXX transactions, from the same merchant, in XXXX. My current card balance is XXXX. My available credit is {$6.00}. My credit limit is {$1500.00}. I can not access that remaining credit until they resolve this dispute. I have brought this to their attention and they wont do anything. The merchants have not responded to the disputes. And Im not able to talk to the people who are actually working on it, goldman sachs refuses to make that department accessible to consumers. That department also does not ever call consumers with updates, questions, or any other possible concerns or clarification needed. I have not had an update in over XXXX days. I have sent multiple escalations over there. I never hear anything back. They were giving the merchant on XXXX of the disputes until XX/XX/XXXX to respond, today is XX/XX/XXXX and I have yet to get any kind of update via email. I did a little research and found out that this has been a continuous problem with Goldman Sachs, and that you issued a major fine for them last XXXX. It is now XXXX and nearly a year later and the problems continue to persist. I want to know that I will be protected if they refuse to rule the disputes in my favor, because Im not paying for it. I can not in good faith use this card outside of Apple purchases going forward because I do not have faith in their dispute process any longer. Its not a safe card. This is supposed to be my card for emergencies and Apple products, and now I cant even use this card in emergencies because what if the number gets stolen? What if somebody takes the card? What if Im overcharged? Theres so many things that can happen, and I am not comfortable using this card any longer because they are not doing their part to resolve disputes quickly and efficiently. I have spent hours, not exaggerating, trying to resolve this multiple times over the last XXXX months. Today I spent XXXX minutes, and in total I probably spent XXXX hours or more on this. Thats an entire workday, but I dont get paid, just to try and gleam some kind of information about this process from their customer service representatives. XXXX hoping that if you send a notice over to them that perhaps it will improve the process, or otherwise fine them again. If for some reason, they choose to decline my disputes, is it so possible to enter the claimant fund? I can provide documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-15 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-15 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: IL

Complaint narrative:
This is a formal follow-up regarding my previous disputes concerning the fraudulent accounts appearing on my credit report. I did not authorize these accounts, and their continued reporting constitutes a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Despite months of disputes and the submission of supporting documentation, including my FTC Identity Theft Report, these false and inaccurate entries remain on my report. The FCRA requires that consumer reporting agencies ensure maximum possible accuracy. Your failure to remove these fraudulent accounts after receiving proper notice and documentation raises serious compliance concerns.

I demand immediate corrective action to permanently delete these accounts from my credit file without further delay. If these accounts are not removed promptly, I will have no choice but to escalate this matter, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing all other remedies available under the law.

This is your final opportunity to comply before further action is taken.

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 2025-09-15 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: IL

Complaint narrative:
This is a formal follow-up regarding my previous disputes concerning the fraudulent accounts appearing on my credit report. I did not authorize these accounts, and their continued reporting constitutes a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Despite months of disputes and the submission of supporting documentation, including my FTC Identity Theft Report, these false and inaccurate entries remain on my report. The FCRA requires that consumer reporting agencies ensure maximum possible accuracy. Your failure to remove these fraudulent accounts after receiving proper notice and documentation raises serious compliance concerns.

I demand immediate corrective action to permanently delete these accounts from my credit file without further delay. If these accounts are not removed promptly, I will have no choice but to escalate this matter, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing all other remedies available under the law.

This is your final opportunity to comply before further action is taken.

Company response to consumer: Closed with explanation