vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$0.00} XXXX XXXX XXXX XXXX * -Date Opened XX/XX/XXXX -Balance {$3900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ProCollect, Inc.
State: IA

Complaint narrative:
I asked them to remove the debit if they couldn't prove it belongs to me but they never did

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of theXX/XX/XXXXdata breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXXXX/XX/XXXXXX/XX/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 2025-10-23 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: FL

Complaint narrative:
I had XXXX transactions from XXXX on my XXXX account. the dates of the Transactions were for XX/XX/25 for {$190.00}, XX/XX/25 for {$320.00}, XX/XX/25 for {$430.00}, and for XX/XX/25 for {$190.00}. When I found out about the transactions I disputed them with Apple Card ( Goldman Sachs ). My dispute was initially denied around XX/XX/XXXX. That is when I contacted Apple Card support, requested they reopen the case and send me supporting documents. They did as I asked. At this time I also contacted XXXX who confirmed the transactions where made with my card but where not able to provide me with any other details because they where made on someone else 's account which was not mine and they were not able to give me any details due to privacy concerns. However they said they would open a fraud claim. I have heard nothing since. 

When I received the supporting documents from AppleCard ( Goldman Sachs ), I could see that whatever had been order had been sent to another name but the mailing address showed my mailing address. The name on the bill was from a XXXX XXXX and the email address was XXXX. It also showed the IP address from XXXX XXXX, FL. Which is several XXXX miles from my address. Nor does the fake phone number match up at all. 

Again my claim was denied from AppleCard ( Goldman Sachs ), So for a third time I reached out and have tried to correct this fraudulent claim, and I keep getting denied. They do not ever contact me, they don't seem to care that aside from my address and credit card number nothing matches with me. They clearly haven't taken the time to see if any of these XXXX accounts are mine. 

So XXXXar this year I have spent tens of thousands of dollars with this card, not that in itself is a big deal but it should indicate I am not here to just file fraudulent claims without merit. Still they will not recognize my claim, one which has a clear pattern of deception. I have tried to explain this to them, but of course there representatives can only escalate it to the fraud department and the fraud department doesn't do proper research or even contact me to ask any questions. Instead they want to stick me with {$1100.00} worth of fraudulent charges. Which they claimed they would never do when they advertised and sold me the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted golden one about my issue of why my payments were never put towards the principle and only {$6.00} went towards it. The balance of XXXX never went down after XXXX yrs time. The r.v was bought in XXXX and the balance stayed the same. When I contacted the company I got nothing but rudeness from all XXXX different people there. So on XX/XX/XXXX I surrendered it. Now till this day I am getting harassed by golden one credit union. The r.v has been auction off at XXXX bit they want me to pay them {$37000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: TN

Complaint narrative:
I am filing a complaint because there is inaccurate and/or fraudulent information appearing on my credit report. I have already disputed these items directly with the credit bureaus, but they remain uncorrected. 

The information being reported does not belong to me and is negatively affecting my credit profile. I have provided proper identification and documentation during my dispute, but the bureau has not conducted a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ) Sections 611 and 623.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : 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 2025-10-23 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: TX

Complaint narrative:
I am a victim of human XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX -Balance {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: LA

Complaint narrative:
XXXX is reporting a debt that is not mine. Account was fraudulently opened

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am a verified victim of XXXX XXXX who submitted valid XXXX documentation to EXPERIAN INFORMATION SOLUTIONS XXXX XXXX under XXXX C.F.R. 1022.142 ( Regulation V ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681c2 ). 

On or about XXXX XXXXXXXX XXXX XXXX  Experian employee XXXX XXXX XXXX informed me that my documentation could not be accepted because, according to him, the police officer who signed it had to be authorized by a XXXX agency. That statement is false and has no basis in federal law or Regulation V.

It is believed that Experians communication with the officer who verified my status was misleading and intended to cause doubt about the officers authority in order to justify rejecting my documentation. Experians conduct directly contradicts the intent of the CFPBs XXXX XXXX  Final Rule ( 87 FR 37700 ) and appears to have been done to exploit a regulatory gap the CFPB itself has acknowledged that many state and local entities lack formal processes or uniform guidance for issuing trafficking determinations to U.S. citizens.

Experians conduct demonstrates a willful circumvention of federal protections for trafficking victims, not a good-faith misunderstanding of the law. As a result, Experian continues to furnish adverse information that should have been permanently blocked.

These violations have caused real harm, including but not limited to a denied refinancing application by XXXX XXXX XXXX XXXX and out-of-pocket filing costs of {$290.00} for a civil action now pending in 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 2025-10-23 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to formally dispute the results of a recent investigation regarding certain accounts listed on my credit report. I believe Experian has failed to conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681XXXX. 

To date, I have not been provided with any documentation or communication indicating who Experian spoke with or how the accounts were verified. This constitutes a sham investigation, as the FCRA requires a reasonable and good faith effort to verify the accuracy of disputed information. 

I am demanding the immediate removal of the following accounts from my credit file due to Experians failure to properly investigate : ACCOUNT NUMBERS XXXX ACCOUNT NUMBERS XXXX Please send me written confirmation of your actions and a revised copy of my credit report once these accounts have been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX  Account # XXXX I reached out to XXXXXXXX XXXX  numerous times because they provided misleading information to remove the inquire off my credit. 
I have submitted documentation showing that my mother, who lives in my household, receives public assistance. I have also attached the email I received from XXXX XXXX. On the second page, it states : You ( or someone in your household ) were receiving Public Assistance ( Food Stamps, Medicaid, etc. ). and they would remove the inquiry. 

I have already provided proof that my mother receives Supplemental Assistance and submitted the supporting documentation. However, I was informed that the assistance must be received by a child or spouse, which is not mentioned in the email or their statement.

Attached are both the email from ED Financial and proof of my mothers SNAP benefits, which she received during the period in question.

Thank you for reviewing 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 2025-10-23 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint to dispute the presence of inaccurate and unauthorized accounts on my credit file. I never opened these accounts, nor did I consent to their addition, and I received no notification regarding them. Furthermore, each credit bureau is reporting different and inconsistent details, which clearly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requiring that all information be reported with maximum accuracy.

This also violates 15 U.S.C. 1681i, which mandates a timely investigation ( within 30 days ) and correction or deletion of disputed information, and 15 U.S.C. 1681g, which ensures a consumers right to full and accurate disclosures of their file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: MD

Complaint narrative:
I am filing this complaint to dispute the presence of inaccurate and unauthorized accounts on my credit file. I never opened these accounts, nor did I consent to their addition, and I received no notification regarding them. Furthermore, each credit bureau is reporting different and inconsistent details, which clearly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requiring that all information be reported with maximum accuracy.

This also violates 15 U.S.C. 1681i, which mandates a timely investigation ( within 30 days ) and correction or deletion of disputed information, and 15 U.S.C. 1681g, which ensures a consumers right to full and accurate disclosures of their 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 non-monetary relief
Consumer complaint received 2025-10-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing this complaint to dispute the presence of inaccurate and unauthorized accounts on my credit file. I never opened these accounts, nor did I consent to their addition, and I received no notification regarding them. Furthermore, each credit bureau is reporting different and inconsistent details, which clearly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requiring that all information be reported with maximum accuracy.

This also violates 15 U.S.C. 1681i, which mandates a timely investigation ( within 30 days ) and correction or deletion of disputed information, and 15 U.S.C. 1681g, which ensures a consumers right to full and accurate disclosures of their file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
1 ) took longer then 30days 2 ) no response from macys 3 ) still reporting error after dispute and company didn't respond I filed a dispute with TransUnion regarding a Macys/CBNA account that is inaccurately reported as a charge-off and contains incorrect dates.

I explained that the account is not a collection or charge-off, and the creditor ( Macys/CBNA ) never sent any documentation or verification to support the charge-off.

TransUnion denied my dispute without providing any proof of verification from XXXX. This violates the Fair Credit Reporting Act ( FCRA ) because TransUnion failed to conduct a reasonable investigation ( 611 ( a ) ( 1 ) ) and failed to ensure maximum possible accuracy ( 607 ( b ) ).

I am requesting that the CFPB investigate TransUnion for failing to properly verify the account and require them to either correct or delete the inaccurate entry. 
Evidence attached : screenshot of dispute result from XXXX XXXX, dispute reason, and XXXX response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: IL

Complaint narrative:
I am raising this dispute because unauthorized and inaccurate accounts have been added to my credit report without my consent. I did not open or authorize these accounts, and I never received any notice of their addition. The fact that these accounts are being reported differently by each bureau is deeply concerning and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires that consumer reports be accurate and reliable.

This also breaches 15 U.S.C. 1681i, which requires that disputed items be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which grants consumers the right to complete and accurate disclosures of their credit data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies have to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my credit report to this complaint on the following dates. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, account number Account number XXXX XXXX now requesting you investigate and provide verified proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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