vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute several inquiries on my credit report that I did not authorize. Upon reviewing my report, I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. 
I have submitted dispute requests and provided supporting documentation, yet these inquiries remain on my report without resolution. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this, the issue persists. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate or fraudulent. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted disputes in XXXX of 2025, I was ignored from estoppel by silence from Experian. I wanted investigations on the following for accuracy : incorrect address XXXX XXXX XXXX XXXX XXXX, TX XXXX. Accounts needed to be checked for accuracy : XXXX  XXXX Acct XXXX XXXXXXXX ; XXXX  XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX  are duplicate on Experian ; XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some disputes were submitted by phone in XX/XX/year>, where I provided full details of the account. Despite this, Experian failed to conduct a full and fair investigation or provide required written results within the 30 - day period mandated by the Fair Credit Reporting Act ( FCRA ).

This has caused ongoing harm, including : Denial of credit opportunities Emotional distress Continued reporting of in accurate information FCRA violations : 611 15 U.S.C. 1681i failure to investigate disputes.

FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) failure to assume maximum possibly accuracy.

FCRA 616 & 617 15 U.S.C. 1681n & 1681o Willful/negligent noncompliance.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Procedural Request Closed Accounts Reporting To Whom It May Concern, I am writing pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). My recent credit report, generated on XX/XX/year>, lists several closed accounts under my name, including but not limited to : XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX  Account ending in XXXX XXXX XXXX XXXX Account ending in XXXX XXXX  Account ending in XXXX XXXX  XXXX Multiple closed accounts ending in XXXXXXXX XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXX Several closed accounts ending in XXXX XXXX XXXX XXXX Multiple closed accounts ending in XXXXXXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX Accounts ending in XXXX, XXXX XXXX XXXX XXXX XXXX  Account ending in XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX Multiple closed accounts ending in XXXX, XXXXXXXX XXXX XXXX XXXX  Account ending in XXXXXXXX XXXX  Accounts ending in XXXX XXXX XXXX  Account ending in XXXXXXXX XXXX XXXX  Account ending in XXXXXXXX XXXX XXXX Multiple closed accounts ending in XXXX, XXXXXXXX XXXX XXXX Account ending in XXXXXXXX XXXX Account ending in XXXX Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ), I formally request that you provide me with : The method of verification used to confirm the accuracy of each closed account listed above.

The name, address, and telephone number of each furnisher of information that was contacted during your reinvestigation process. 

Copies of any documents, records, or correspondence that you relied upon in continuing to report these accounts. 

If you can not or will not provide the requested verification records, these closed accounts must be deleted immediately as unverifiable under 15 U.S.C. 1681i ( a ) ( 5 ).

Please treat this letter as a formal request regarding all closed accounts appearing in my file as of XX/XX/year>. 

I expect your full response within the statutory 30-day period.

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 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Rausch Sturm LLP
State: MA

Complaint narrative:
they refused to answer emails or phone calls they dont reply. They sent me a letter to Sue me and Ive already let them know Im a XXXX veteran who collects VA benefits for XXXX only no other income. They can not garnish my VA XXXX income in the state of Massachusetts.

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 2025-09-23 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:
My XXXX XXXX XXXX sister has gotten hold of my phone multiple times in the last few years and used my card without my authorization. This has led to fraud disputes that Goldman Sachs/Apple Card have been very helpful with. 

However, most recently, Ive disputed fraud by a company that advertises XXXX XXXX XXXX XXXX. I caught the company, however, using bots. Consumers are protected against this unfair and illegal practice by the company under Ohio Deceptive Trade Practices Act ( DTPA ) ORC 4165.02, Ohio Consumer Sales Practices Act ( CSPA ) ORC 1345.02, Ohio Revised Code 2913.01 General Definitions for Theft and Fraud, and Ohio Revised Code 2913.21 Misuse of Credit Cards. 

Attached are screenshots with time stamps showing the bot playing two of the same games at once, which a human can not do ; correspondence with the company ; and a letter from a reputable company as requested by Apple Card for a second opinion. 

I also have a screen recording showing the bot playing in real time, but Apple Card has refused to provide a way for me to send it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I went to activate my state issued US Bank Reliacard that was supposed to have my unemployment benefits on it. I was told by my Unemployment office that US Bank closed my account and are withholding my funds. The account is showing that it was closed on XX/XX/year> and that US Bank as of today XX/XX/year> still has funds and have not returned them to me or the 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 2025-09-23 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TN

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-09-23 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: TN

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: OH

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX  Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: MA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-23 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: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : 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 2025-09-23 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: Servatus Corporation
State: TX

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ).

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

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 2025-09-23 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
XXXXEXETER FINANCE\nACCTXXXX XXXX XXXX XXXXRe: Identity Theft  Fraudulent Account [Account Number if available]XXXXTo Whom It May ConcernXXXXI am the victim of identity theft. The above-referenced account, which you have furnished to one or more consumer reporting agencies, was fraudulently opened in my name without my knowledge or authorization.XXXXOn XXXX XXXX, I submitted an Identity Theft Report to the FTC, along with supporting documentation, and also disputed the account with the credit bureaus under 15 U.S.C. 1681c-2 (FCRA 605B). Despite this, your company continues to furnish the fraudulent accountXXXXMy Rights Under the FCRAXXXX15 U.S.C. 1681s-2(a)(1)(A) prohibits furnishers from reporting information they know or reasonably should know is inaccurate.\n\nOnce notified of identity theft and provided with an FTC Identity Theft Report, you are required to investigate, stop reporting the fraudulent account, and notify all consumer reporting agencies to which you furnished itXXXXDemandXXXXI demand that you:XXXXImmediately cease all reporting of this fraudulent account to all consumer reporting agencies.XXXXDelete the account from your internal records as fraudulent.\n\nProvide written confirmation within 30 days that you have instructed XXXX XXXX XXXX XXXX to delete the accountXXXXProvide copies of any application, contract, or signature you claim ties me to this account. If you cannot provide documentary proof, you must delete it.XXXXIf you continue reporting this account, I will file a complaint with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my State Attorney Generals Office. I will also consider legal remedies for willful violations of the Fair Credit Reporting Act.XXXXSincerely,XXXX XXXX XXXXEnclosures:XXXXFTC Identity Theft ReportXXXXXXXXPolice Report XXXXProof of Identity (Drivers License)XXXXProof of Address (Utility Bill/Bank Statement)'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$15000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-23 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: NJ

Complaint narrative:
This XXXX XXXX account is being reported inaccurately and inconsistently by TransUnion, while XXXX XXXX XXXX  have already deleted it as unverifiable. TransUnion shows the account as 120 days past due with a {$300.00} limit and a {$420.00} high balance, but the account status and payment history are contradictory. Payment history lists OK months in XXXX, while also showing rolling XXXX delinquencies in the same periods. The closed date is listed as Not Updated, yet the last activity is reported as XX/XX/XXXX, and derogatory events show both XX/XX/XXXX and early XXXX as late with no reconciliation. These contradictions prove the account was not reinvestigated in compliance with FCRA 1681i and is not being reported with maximum possible accuracy under 1681e ( b ). Because the other CRAs have already deleted this tradeline, I am demanding TransUnion immediately delete it within 7 days. If not deleted, I am preparing litigation against XXXX XXXX and TransUnion for willful noncompliance and damages.

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 2025-09-23 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: GA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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