vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Go Capital Holdings, LLC
State: PA

Complaint narrative:
It was reported to local and federal law enforcement that my former roommate has stolen my identity and was opening bank accounts, credit lines and an attempt to purchase multiple vehicles in my name. The following companies have pulled my credit over thirty times EACH in the past ninety days without my permission, on some occasions three times in one day : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GOFI

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
This account was opened in XXXX XXXX XXXX this a closed account. The amount is XXXX they charge it off. I want them removed it off my credit report.

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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my credit report 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 2025-09-01 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 non-monetary relief
Consumer complaint received 2025-09-01 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: DE

Complaint narrative:
My TransUnion credit report contains multiple inaccurate and duplicate accounts, including XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX. These accounts show conflicting balances, duplicate tradelines, inconsistent open dates, and unverifiable reporting. This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ( a ) ). I request immediate reinvestigation and removal or correction of these inaccuracies.

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 2025-08-31 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:
Identity Theft Dispute Demand for Immediate Removal under FCRA 605B ( 15 U.S.C. 1681c-2 ) I am submitting this dispute because a collection account is being reported on my credit file that does not belong to me. This account is the direct result of identity theft, as it was opened and used without my knowledge or consent.

I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ) through IdentityTheft.gov, which I am enclosing with this dispute along with my supporting identification documents.

Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), consumer reporting agencies are required to block fraudulent information from appearing in a consumers credit file within four ( 4 ) business days of receiving proper documentation. The law is clear : once I have provided proof of identity and an identity theft report, the disputed account must be blocked, removed, and not reinserted unless full validation and written confirmation are provided.

This account is : Fraudulent Opened without my authorization Causing ongoing harm to my creditworthiness I am demanding that the collection account be : Immediately removed/blocked from my credit file with all credit bureaus ( XXXX, Experian, TransUnion ) XXXX 

Not reinserted unless it is fully verified with documentation bearing my signature and lawful consent. 

Confirmed in writing once the deletion and block have been completed.

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 2025-09-01 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo reported originator as XXXX XXXX. XXXX reported Transfer originator was XXXX XXXX in XXXX  I have located the Deed from XXXX XXXX and XXXX it is altered and initiated but My signatures and spouse signatures Needs authentication.

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 2025-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Late payments and interests are not being applied properly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Double D Finance dba Idaho Finance
State: ID

Complaint narrative:
Idaho Finance is inaccurately reporting a charged-off account on my credit reports. The account ( XXXX ) was charged off and sold to another company. Despite this, Idaho Finance continues to report a current balance of {$150.00} and a past due amount of {$150.00}. 

Once an account is charged off and sold, the original creditor is required to report the balance as {$0.00}. By continuing to report a balance, Idaho Finance is making it appear that I still owe them money, which is inaccurate and misleading. This negatively affects my ability to obtain a mortgage and other credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I received an adverse action notice from XXXX XXXX denying my application for a XXXX XXXX account. The denial was based on your reporting of inaccurate and incomplete information, specifically regarding delinquency history, account experience, and revolving account data. 
This constitutes tangible harm under the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681e ( b ), and 1681n/o ). I have previously disputed accounts you are reporting ( including fraudulent and unverifiable accounts ). The continued reporting of false data has now directly resulted in a credit denial, loss of opportunity, and economic damages. You are hereby required to : 1. Conduct a reasonable reinvestigation of all disputed items under 611 ( a ).

2. Provide me with the method of verification for each account you claim to have verified.

3. Permanently delete any account you can not fully verify.

Failure to comply will result in inclusion of this denial letter, along with your non-compliance, in my pending arbitration and federal complaint filings. 
Please note : You are now on notice of actual harm and damages caused by your reporting. 

You have been provided these accounts on multiple occasions!!!!!!!!!!! I empathize the grave harm and damages XXXX has caused to 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 2025-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was approved for the XXXX Membership Rewards points offer after making {$8000.00} or more in eligible purchases on the Amex Platinum Card within the first 6 months of Card Membership, starting XX/XX/year>. I confirmed this promotion with customer service over the phone on the day I received my Platinum Card.

I spent more than {$8000.00} within the first 2 months and, as of today, I have spent over {$31000.00}. However, I have not received any of the welcome bonus points. 

Today, I contacted customer service via chat. The representative told me there is no such offer showing on my account, but she said she would raise an investigation. She also informed me that it could take up to XXXX weeks for the investigation to be completed. This is unreasonable, as I already met the spending requirement months ago. 

I fulfilled all the terms of the promotion in good faith. Amexs refusal to honor the XXXX point offer and the unreasonable delay in resolving this issue constitute deceptive and unfair business practices. I am requesting immediate resolution, with the full XXXX Membership Rewards points applied to my account without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX : XXXX XXXX. SSN : XXXX l used my cash app debit card at a gas station on XX/XX/year>. I realized I was at a diesel pump and canceled the transaction ( I didn't spend anything ). I was then unable to use my debit card because the pending charge placed a hold on my balance and I no longer have access to my money. I'm unable to get gasoline and have an empty gas tank. I did not receive services or goods. The gas pump 's transaction was {$0.00}. I called Cash app 's customer service and they said the pending status will last up to XXXX business days. This is inappropriate and causing an undue delay. This is a consumer law violation. Release my funds forthwith. 
cc : XXXX  and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: GA

Complaint narrative:
On these following dates, I mailed out disputes for all of the unlawful and inaccurate data on on my Transunion consumer report. They have failed to accurately update/delete that information on 3 separate attempts. 
XX/XX/XXXX XX/XX/XXXX XX/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 non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
Recently I discovered multiple charges from what I assume is an atm. I believe I was a victim of my card being skimmed and unfortunately not thinking, I also gave my pin to what looked like a regular credit card machine.... it looked newer but I figured places change their machines regularly. Since then I have submitted disputes on 10 transactions from the same ATM happening over the past month. I have read some concerning reviews on reddit and want to make sure my dispute is given the proper investigation. I trust a lot of money with Sofi and I need to know they will protect me money when things like this happen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: CA

Complaint narrative:
Upon reviewing my credit report again after a 2nd dispute letter was sent out to Experian and Equifax credit reporting agency. I am formally disputing the inaccuracy and incompleteness of the information being reported on my credit file regarding my XXXX XXXX XXXX account. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2. Which states you are required to ensure all information furnished and maintained in my file is accurate, consistent, and not misleading.

After reviewing both my Equifax and Experian reports, I identified clear factual inaccuracies and contradictions : Here is the contradictions history which violates the Metro 2 credit reporting guidelines and FCRA laws. 

Equifax Reporting ( XXXX ) : XXXX XXXX OK XXXX XXXX 60 days late XXXX XXXX OK XXXX XXXX OK XXXX XXXX 60 days late Experian Reporting ( XXXX ) : XXXX XXXX OK XXXX XXXX ND ( No Data ) XXXX XXXX OK XX/XX/XXXX ND ( No Data ) XXXX XXXX OK XXXX XXXX 30 days late Aug 2025 60 days late XXXX. This information shows factual inaccuracies identified Contradictory reporting : Equifax shows XXXX lates in XXXX XXXX, while Experian shows XXXX XXXX for the same period. Both can not be accurate. 

XXXX. Re-aging / inconsistent delinquency : Equifax shows the account returned to OK status from XXXX XXXX after serious delinquency, which is not consistent with normal credit reporting standards. 

Experian shows 30 days late in XXXX XXXX and 60 days in XX/XX/XXXX, while Equifax already reports 60 days late in XXXX XXXX. This is impossible and factually inconsistent with Experian. 


XXXX. Missing / Misleading data : Experian reports No Data in XXXX XXXX and XX/XX/XXXX, while Equifax reports active status for these same months. No XXXX in the middle of active account history is materially misleading and in violation of the FCRA. 

I have requested on numerous disputes that Experian and Equifax to send me information on how this information is being gathered. How is it that we get XXXX different answers coming from the same the source. That's impossible and inconsistent with 15 USC 1681 e ( b ). 

I am requesting Experian and Equifax to conduct a full reinvestigation of the XXXX XXXX XXXX account. Correct or delete all inaccurate, contradictory, or unverifiable late payment entries, and provide me with written confirmation of the results within 15 days. 

If the inaccurate information can not be fully verified with proper documentation from the furnisher, it must be deleted from my credit file. 
Failure to comply will constitute willful noncompliance under FCRA 1681n, exposing your agency and the furnisher to civil liability. 
Please reinvestigate this matter and ensure my credit report reflects only complete, accurate, and verifiable information. 

Thank you for your time, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: CITIBANK, N.A.
State: TN

Complaint narrative:
Account # XXXXXXXX XXXX XXXX XXXX XXXX  Dear XXXX I hope this message finds you well. I am writing regarding the above-referenced account, which was marked as a charge-off and is currently appearing on my credit report from XXXX XXXX and XXXX XXXX 
l accept full responsibility for my past actions and want to express that the financial hardship I experienced during that time was not a reflection of my character or intentions. Since then, I have worked hard to rebuild my finances, and I'm making significant progress in improving my credit health. 
The purpose of this letter is to kindly ask if you would consider making a goodwill adjustment by removing the charge-off status from my credit report. The account has been [ paid in full/settled ], and I'm truly committed to maintaining positive financial behavior moving forward, I understand that this is a special request and not a requirement, but I hope you can make a one-time good will gesture, which would make a meaningful difference in helping me qualify for a home loan, business credit, etc.. 
Sincerely, XXXX XXXX XXXX XXXX Thank you for your time and consideration. I deeply appreciate your assistance.

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 2025-09-01 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: CA

Complaint narrative:
To Whom It May Concern, I am filing this complaint against TransUnion, Equifax, and Experian due to their ongoing failure to correct and remove inaccurate and unverifiable information from my consumer credit reports. 

Despite sending XXXX rounds of dispute letters and providing supporting documentation, the following accounts remain on my reports and continue to harm me : 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  I have also filed complaints with the BBB, FTC, CFPB, and local law enforcement , but these agencies have not resolved the matter. The credit bureaus continue to verify these accounts without providing any of the source documentation I specifically requested, such as signed contracts, payment history, or chain of custody records, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

It has now been well over 45 days since my most recent disputes, far exceeding the timeframe allowed under the FCRA. Instead of correcting or deleting unverifiable items, these bureaus continue to re-report the same inaccurate information.

Because of this, I have been denied credit, loans, housing approvals, and forced into higher interest rates. This has caused me significant financial and emotional harm.

I am requesting that the BBB hold TransUnion, Equifax, and Experian accountable and assist in getting these inaccurate items permanently deleted from my reports in compliance with federal law. 

Attached are copies of my final dispute letters to each bureau for your reference. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: CA

Complaint narrative:
To Whom It May Concern, I am filing this complaint against TransUnion, Equifax, and Experian due to their ongoing failure to correct and remove inaccurate and unverifiable information from my consumer credit reports. 

Despite sending XXXX rounds of dispute letters and providing supporting documentation, the following accounts remain on my reports and continue to harm me : 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  I have also filed complaints with the BBB, FTC, CFPB, and local law enforcement , but these agencies have not resolved the matter. The credit bureaus continue to verify these accounts without providing any of the source documentation I specifically requested, such as signed contracts, payment history, or chain of custody records, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

It has now been well over 45 days since my most recent disputes, far exceeding the timeframe allowed under the FCRA. Instead of correcting or deleting unverifiable items, these bureaus continue to re-report the same inaccurate information.

Because of this, I have been denied credit, loans, housing approvals, and forced into higher interest rates. This has caused me significant financial and emotional harm.

I am requesting that the BBB hold TransUnion, Equifax, and Experian accountable and assist in getting these inaccurate items permanently deleted from my reports in compliance with federal law. 

Attached are copies of my final dispute letters to each bureau for your reference. 

Sincerely, 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