vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history. 

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy. 
The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX With a balance of {$0.00} and XXXX XXXX Opened XXXX XXXX, XXXX with a balance of {$2200.00}. With all of this information I expect Equifax to take action and get these blocked and remove in 4 business days with the rights that I have with the FCRA and FDCPA. The aforementioned account is fraudulent. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit cards, consumer loans, and inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report lists collection accounts that I believe may be inaccurate. Under my rights granted by 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I am entitled to a credit report that is complete and accurate. I am requesting that these collection accounts be reviewed, and if they can not be verified as correct, that they be removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing and sending this complaint with absolute certainty and extreme frustration. There are multiple errors on my credit report that I can no longer ignore, as they have been negatively affecting my life and credit score, making it impossible for me to achieve financial freedom and stability. These inaccuracies are deeply concerning and have caused unnecessary stress and hardship.

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 2025-11-12 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: IN

Complaint narrative:
This complaint concerns inaccurate and unverifiable late-payment reporting being furnished to Transunion by XXXX, XXXX XXXX, and XXXXXXXX XXXXXXXX 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and Regulation V ( 12 CFR 1022 ), furnishers are required to report only complete and verifiable data. The alleged late payments were not validated through my original signed agreement or proper accounting records. 

Under Generally Accepted Accounting Principles ( GAAP ), all accounts must be supported by a corresponding journal entry, balance sheet, and ledger reflecting the date of transaction, payment posting, and reconciliation. If such documentation can not be produced, then the reporting of a delinquency violates both GAAP material-accuracy standards and FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishing information knownor reasonably expectedto be inaccurate. 

I am requesting deletion of the late-payment history from my Transunion report because the furnisher failed to provide : 1. Original signed credit agreement or promissory note ; 2. Complete payment ledger showing the alleged delinquency period ; and 3. Written verification provided to me before furnishing negative data. 

Failure to remove unverifiable late payments constitutes negligent or willful non-compliance under FCRA 616-617 and a violation of Furnisher Duty to Reinvestigate ( 15 U.S.C. 1681s-2 ( b ) ).

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 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I my name is XXXX XXXX XXXX, XXXX XXXX, XXXX I am the victim of identity theft. My XXXX XXXX XXXX credit file contains an collection account that was a result of an account I did not open from XXXX XXXX XXXX XXXX : a LVNV FUNDING LLC /Resurgent Capital Services collection reportedly opened on XX/XX/year>, appearing as account XXXX. After 4 letters has failed to comply with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ), and associated Fair Credit Reporting Act ( FCRA ) provisions. Despite my writing of four written disputes and validation requests sent by certified mail, the company has refused to provide verification of the alleged debt while continuing collection activity and reporting to XXXX XXXX XXXX LVNV FUNDING LLC /Resurgent Capital Services repeatedly responded with form letters requesting irrelevant documents ( police reports, affidavits, etc. ) but never mailed any concrete, competent evidence showing liability, the original contract, or proof of ownership of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
Account still reporting closed by all three bureaus while card and account are very much still active. Its reflecting closed by consumer but the account is not closed and purchases have been made on the account multiple sigs as proof account is not closed. I have disputed information but have got no proper resolution.

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 2025-11-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
We are the duly appointed co-executors of our late fathers estate. Goldman Sachs Bank USA is holding $ approximately {$75000.00} in a savings account belonging to the decedent.

We have repeatedly complied with Goldman Sachs instructions and provided all required estate documents, including the death certificate, Letter of Administration, and a signed letter of intent to transfer the funds to the estate. Despite this, the bank continues to delay and mismanage the process, creating an unreasonable and harmful obstruction of our fiduciary duties.

Timeline of Events : XX/XX/year> ( XXXX XXXX  ) : We called to initiate the estate transfer and were told to send the Letter of Administration, death certificate, and letter of intent to a specific address. We were assured we would receive a call once the documents were received. 

XX/XX/year> ( XXXX XXXX  ) : After no call or confirmation, we followed up and were told the documents were mistakenly sent to the Apple Credit Card department due to an incorrect address provided by Goldman Sachs. We were instructed to resend everything to a new address using their proprietary envelope. We were told wed receive that packet in XXXX business days and that, once received, funds would be transferred within XXXX  days ( given the balance exceeded {$50000.00} ). 

XX/XX/year> : Our second packet of documents was delivered and signed for by XXXX XXXX at XXXX XXXX  ( XXXX tracking ID XXXX ). 

XX/XX/year> ( XXXX XXXX  ) : After still receiving no confirmation, we called again and were told Goldman Sachs had no record of the documents, although they may not have been processed yet. We were then informed that processing could take up to 30 daysan entirely new timeline never previously disclosed.

Despite verifying our executor status with official court-issued Letters of Administration , Goldman Sachs refuses to provide access to account statements or even confirm receipt of the estate documents. These ongoing administrative failures are preventing us from completing the court-mandated estate inventory due within XXXX weeks, placing us at risk of noncompliance and additional court fees. 

We are requesting immediate regulatory intervention to compel Goldman Sachs Bank USA to verify receipt of the required documents, release the funds, provide account statements necessary for probate filing, and return all original documents to the provided address without delay0. The repeated misdirection, lost paperwork, and refusal to communicate constitute unreasonable delay and are causing measurable financial and emotional hardship to the executors of the estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-12 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NC

Complaint narrative:
On XX/XX/year> I reported XXXX  Information services to the cfpb for allowing incorrect information to report on my credit report. The information is from XXXX XXXX and XXXX XXXX. I keep calling them and they said the ftc reports I uploaded on their system and the ones I uploaded through the cfpb portal are invalid for some reason, and they won't tell me why. I am writing to let you know this and them, that I called XXXX XXXX on XX/XX/year> to speak with their collections department. The representative from the collections department gave me an incorrect account number, after I asked her what my account number is : XXXX. As you can see, this is not the correct account number. My account number with XXXX XXXX, and also according to the the ftc report I will upload later, ends in XXXX. This has always been my account number for as long as I can remember. As for the upstart/Dr bank, I can not generate a new ftc report because of the government shutdown to report this account as fraud. I emailed their dispute department on XX/XX/year> which is today, after calling them, and told them to have the inaccurate information removed from the credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: MO

Complaint narrative:
Transunion, Experian, & Equifax continue to report a collection on my credit report for XXXX XXXX XXXX XXXX in the amount of {$10000.00}. This collection was previously from XXXX XXXX XXXX, who are apart of XXXX XXXX XXXX XXXX. I have gone to court with XXXX XXXX XXXX over this collection after being served and the judge ruled that I did not owe this money to XXXX XXXX XXXX and threw out the case. I do have the original court documents signed and stamped by the judge and court. I have provided these court documents to Transunion, Experian, & Equifax when disputing the collection on my credit report, but they keep coming back as verified, which is impossible. I have done this 6x with each credit buearu and it is destroying my credit each time they put it on my report. This has caused me not to close on a home, and made me pay significantly high interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MO

Complaint narrative:
Transunion, Experian, & Equifax continue to report a collection on my credit report for XXXX XXXX XXXX XXXX in the amount of {$10000.00}. This collection was previously from XXXX XXXX XXXX, who are apart of XXXX XXXX XXXX XXXX. I have gone to court with XXXX XXXX XXXX over this collection after being served and the judge ruled that I did not owe this money to XXXX XXXX XXXX and threw out the case. I do have the original court documents signed and stamped by the judge and court. I have provided these court documents to Transunion, Experian, & Equifax when disputing the collection on my credit report, but they keep coming back as verified, which is impossible. I have done this 6x with each credit buearu and it is destroying my credit each time they put it on my report. This has caused me not to close on a home, and made me pay significantly high interest rates.

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 2025-11-12 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: NV

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
b'Dovenmuehle Mortgage Inc., servicer for XXXX XXXX XXXX reported multiple 30-day late payments on my FHA mortgage in XXXX. I sent a certified dispute letter on XXXX XXXX XXXX  (XXXX XXXX XXXX XXXX XXXX XXXX XXXX) requesting proof that the payments were actually late and that all federal notice requirements were met. The company received the letter but has not provided any of the requested information.\n\nThe late payments on my credit report are therefore inaccurate and cannot be verified. I request that the CFPB remove this account and all incorrect late payment entries from my credit reports unless the company can provide verifiable proof of compliance with federal law.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was charged twice for a transaction made with the merchant XXXX. The only way to reach the merchant is through email so I reached out to XXXX via email on XX/XX/year> about getting a refund for the duplicate transaction, but they did not get back to me for XXXX days. By this time, there was a dispute regarding the charge with Bank of America and the XXXX representative replied to me to check with my bank regarding this charge. 

After speaking to Bank of America about reopening the claim dispute on Wednesday XX/XX/year>, I contacted XXXX again on XX/XX/year> to request a refund through them. The representative informed me on XX/XX/year> this order was canceled but to check back with my bank about my refund. 
The duplicate charge information is as follows : Merchant Name : XXXX  Amount : {$220.00}. XXXX Supporting documentation was included to the bank regarding the merchant 's response. After the bank received the email communication from XXXX stating the order was canceled, they refused to refund the duplicate charge and canceled order. Please investigate this matter further, as it is 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 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please advise for the past year I have seen multiple inquiries on my report that I am not aware of please do an investigation and follow up to see what I can do to fix this situation, I was teading up on this before I report it because I had no clue what to do. If you can reach back out soon ill be able to provide any necessary information needed

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