vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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

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 2025-08-16 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: MA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-16 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
To Whom It XXXX Concern, I am writing in response to Goldman Sachs Bank USAs reply dated XX/XX/2025, concerning my complaint regarding the Apple Card and its reporting to the credit bureaus. While the Bank asserts that no error occurred, I respectfully disagree and request that the CFPB continue to review this matter in light of the following concerns : 1. Failure to Conduct a Reasonable Investigation Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to conduct a reasonable investigation of disputes. Goldman Sachs response appears to merely restate its own records without addressing whether the reported information is fair, accurate, complete, and not misleading. Simply confirming the existence of late payments in internal records does not meet the standard of a reasonable investigation. 

2. Accuracy vs. Completeness Even if late payments occurred, the FCRA requires that data furnished must be accurate and complete. Information can be technically accurate yet still misleading or incomplete, which makes it inaccurate under the FCRA. For example, the Bank did not address whether : All reported delinquencies are being reported consistently across all CRAs. 

My account history includes proper notation of disputes, as required by law. 

Contextual factors ( such as system issues, payment posting errors, or notice delivery problems ) XXXX have contributed to the alleged delinquency. 


XXXX. Deficiencies in Documentation Provided The Bank claims to have validated the debt by sending a customer agreement and account statements. However, providing statements is not the same as proving that the tradeline was reported lawfully, fairly, and accurately. The FCRA requires more than producing recordsit requires verification that what was furnished to CRAs was correct and complete.

4. Notice Failures and Procedural Deficiencies Goldman Sachs asserts that reminders were successfully sent to my email. I never acknowledged receipt of such reminders, and the Bank did not provide proof of actual delivery. Merely sending an email does not constitute adequate notice of potential derogatory credit reporting under the FCRA or ECOA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: PA

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
Description of complaint : CHIME my pay stated via email Chime that XXXX XXXX, Were updating how we handle automatic repayments if a payment doesnt go through. XXXX on Credit Builder Starting XX/XX/year>, if you have an outstanding SpotMe balance on your Credit Builder account, Chime will now use any deposit into your Chime Checking Accountnot just direct depositsto automatically pay back that balance. For more information, see Account XXXX. MyPay Starting XX/XX/year>, if you have an outstanding balance after your expected pay dateor if theres another reason youre unable to pay back the balanceChime will use any deposit into your Chime Checking Account to make a payment. For more information, see XXXX XXXX. If you have any questions, you can contact Chime Member Services anytime at ( XXXX ) XXXX or visit the Help Center to chat with us in the Chime app. I called today as I am required to payback the amount borrowed under my pay on XX/XX/XXXX the balance due was {$500.00} XXXX received a deposit on XX/XX/XXXX XXXX that REPAID that balance and I was allotted {$400.00} of the {$500.00} balance. Today XX/XX/year> I was told that I DID NOT PAY THE BALANCE BUT THE MONEY OWED WENT TO SAVINGS. Please note that the application has NEVER allowed me to pay just a portion of the monies owed. I am told that the monies were not collected by the system and therefore CHIME XXXX  XXXX  WAS NOT PAID. YET I WAS ALLOWED TO BORROW {$400.00} of {$500.00} Dollars. I asked several representatives did this change? Does my pay no longer require me the pay the balance in full? I also asked that my account be reviewed in full since the inception of MY PAY, i was refused 6 times. I asked also to please state maybe there is a change refused XXXX times.I asked XXXX XXXX and was transferred to a young lady who stated SHE WAS NOT A SUPERVISOR as the call continued she then stated she WAS THE SUPERVISOR AND ALSO REFUSED TO transfer the call. Not one person will review the account or can explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi Bank Denied Me To Open A Bank Account With No Reason Or Explanation

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 2025-08-16 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 


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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-16 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-16 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: TX

Complaint narrative:
b'"I sent a certified letter to Transunion XXXX with a tracking number XXXX XXXX XXXX XXXX XXXX XXXX  via USPS. The letter was received on XXXX. Transunion did not reply to my request I proceeded to send another letter dated XXXX  which was also ignored. The account I am disputing is with bank: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 non-monetary relief
Consumer complaint received 2025-08-16 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: PA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: LA

Complaint narrative:
I am formally disputing inaccurate and unverifiable information that appears on my credit report. This letter is a demand for compliance with the Fair Credit Reporting Act ( FCRA ), specifically 602 ( A ), 607 ( b ), 609 ( a ), and 611 ( a ).

The following accounts and inquiries are erroneous, outdated, unverifiable, and/or incomplete and must be removed immediately : Accounts in Dispute : XXXX. XXXX XXXX XXXX Reported XXXX. XXXX, XXXX | {$470.00} | Status : Needs Attention / Closed XXXX. XXXX XXXX XXXX Reported XXXX. XXXX, XXXX | {$0.00} | Closed XXXX. XXXX XXXX XXXX XXXX Reported XXXX. XXXX, XXXX | {$0.00} | Closed Inquiries in Dispute : - XXXX XXXX XXXX XXXX. XXXX, XXXX- XXXXXXXX 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 Unless you can provide documented proof of authorization and complete validation for each of these items, they must be permanently deleted as unverifiable under FCRA 611 ( a ) ( 5 ). 

I expect the results of your investigation within 30 days as mandated by FCRA 611 ( a ) ( 1 ). Failure to comply will result in complaints to the CFPB, FTC, and potential legal 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 explanation
Consumer complaint received 2025-08-16 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: MI

Complaint narrative:
On XX/XX/XXXX, I disputed a XXXX XXXX XXXXXXXX credit-card tradeline showing charge-off with balance {$7200.00} and past due {$7200.00}. The reporting is inaccurate and incomplete and conflicts with XXXX  : XXXX shows Date opened XX/XX/XXXX, High credit {$7200.00}, Credit limit {$1200.00}, Date last active XX/XX/XXXX, Last payment XX/XX/XXXX, Last reported XX/XX/XXXX, while XXXX  reports different values for each of those fields ( including open date XX/XX/XXXX, high credit {$6100.00}, credit limit {$0.00}, DLA XX/XX/XXXX, last payment XX/XX/XXXX, last reported XX/XX/XXXX ). A revolving account also shows $ 0 monthly payment and the entire balance reported as both balance and past due. My consumer disclosure does not show the Date of First Delinquency ( DOFD ) or any itemized charge-off ledger. This violates the FCRA ( 15 U.S.C. 1681e ( b ) maximum possible accuracy ; 1681i ( a ) reinvestigation and deletion if unverifiable ; 1681i ( a ) ( 7 ) method of verification ; 1681s-2 ( b ) furnishers duty to correct ).

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 2025-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I submitted our property tax bill via email as instructed and was just notified yesterday XX/XX/year> that the property tax bill is now delinquent. I had received no response at all or message that LoanDepot would not be paying the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: NY

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally request the removal of the collection account associated with my name from my credit report. The account in question appears to be reported as XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2025, I submitted a formal request to Equifax to block fraudulent accounts under Section 605B of the Fair Credit Reporting Act ( FCRA ). I provided all required documentation, including my Official Federal Trade Commission Identity Theft Report # XXXX. 

Under federal law ( 15 U.S.C. 1681c-2 ), credit reporting agencies MUST block fraudulent information within 4 business days of receiving an FTC report . Over 30 days have passed and the following fraudulent accounts remain on my Equifax credit report : XXXX - XXXX XXXX - XXXX This direct violation of federal law by Equifax continues to damage my credit score, resulting in : Credit and loan denials Higher interest rates when approved Inability to refinance my mortgage Rental application denial Higher insurance premiums I have sent follow-up letters to Equifax and the agency has failed to comply with its legal obligations under the FCRA. I request that the CFPB investigate this violation by Equifax and enforce immediate compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have an unverified accounts on my credit report. I had previously disputed these accounts. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debts. I request that verification of the following accounts be provided : Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. Please Cease and Desist all further communications and collection activities and provide the verification of the purported debt. 

Please be aware that credit reporting agencies are currently facing legal scrutiny for failing to thoroughly verify disputed items. This serves as notice that I am prepared to take further action if necessary and pursue legal remedies if this issue is not corrected within the timeframe provided by law.

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