vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX Installment Balance {$1900.00} XXXX  Point of Sale Balance {$200.00} Original Balance {$320.00} XXXX  XXXX Point of Sale Balance {$1500.00} Original Balance {$1500.00} XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX UNSECURED Balance {$2200.00} Original Balance {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Balance {$6300.00} Original Balance {$6000.00} XXXX Balance {$1900.00} Original Balance {$1700.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX Balance {$1900.00} Original Balance {$1700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX Balance {$1900.00} Original Balance {$1700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX Balance {$3000.00} Original Balance {$3000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Balance {$990.00} Original Balance {$900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX Balance {$3600.00} Original Balance {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX  Balance {$2200.00} Original Balance {$2000.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Balance {$4800.00} Original Balance {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX Balance {$6400.00} Original Balance {$6000.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX  Balance {$3600.00} Original Balance {$3500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Balance {$350.00} Original Balance {$300.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX Balance {$6300.00} Original Balance {$5800.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX Balance {$2000.00} Original Balance {$1700.00} DEPT OF XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Balance {$1000.00} Original Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX Balance {$1800.00} Original Balance {$1700.00} DEPT OF XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX Balance {$3600.00} Original Balance {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX INSTALLMENT_SALES_CONTRACT Balance {$0.00} Original Balance {$210.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX UNSECURED Balance {$0.00} Original Balance {$370.00} XXXX Point of Sale Balance {$0.00} Original Balance {$190.00} XXXX XXXX  Miscellaneous XXXX XXXX and XXXX XXXX XXXX {$0.00} Original Balance {$11000.00} AFFIRM XXXX XXXX XXXX {$0.00} XXXX XXXX Other Collection Agencies Balance {$1100.00} XXXX XXXX {$390.00} Account number N/A Account status UNPAID Original creditor XXXX XXXX XXXX XXXX  Original amount owed {$0.00} Last reported XXXXXXXX XXXX XXXX XXXX {$1300.00} Account XXXX N/A Account status UNPAID Original creditor XXXX XXXX Original amount owed {$0.00} Last reported XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX Inaccurate information reported by Transunion XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX This address is a XXXX XXXX XXXX not my home address

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a formal complaint and consumer credit dispute involving XXXX XXXX and Experian, concerning the suppression of my credit history, repeated deceptive solicitation tactics, and the triggering of damaging credit inquiries based on internally distorted credit profiles. 

Experian repeatedly promoted XXXX XXXX loan offers to me through its platform and affiliated channels. I applied for those loans in good faith, based on XXXX representation that I was a qualified candidate. XXXX then pulled my credit and denied the applications despite my strong internal history with XXXX, including at least XXXX paid-off loan of over {$15000.00}, which they failed to report to the credit bureaus. 

Both XXXX and Experian played a role in : Initiating credit inquiries based on incomplete or suppressed data Promoting offers that led to denials and credit harm Failing to ensure proper internal and external credit review protocols Withholding accurate tradeline history which would improve my score, affect loan decisioning, and change interest rate offers This situation has caused measurable injury, including : Increased number of hard inquiries Lowered credit a score due to false data scarcity Loan denials from the same lender Experian promoted Higher interest rates across my credit profile Legal Violations iClaimed : FCRA 623 ( a ) ( 1 ), 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ) ( 7 ) OneMain FCRA 607 ( e ), 604, and deceptive trade violations Experian FTC Act 5 ( 15 U.S. Code 45 ) False or misleading loan offer promotion

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a formal complaint and consumer credit dispute involving XXXX XXXX and XXXX, concerning the suppression of my credit history, repeated deceptive solicitation tactics, and the triggering of damaging credit inquiries based on internally distorted credit profiles. 

XXXX repeatedly promoted XXXX XXXX loan offers to me through its platform and affiliated channels. I applied for those loans in good faith, based on XXXX representation that I was a qualified candidate. XXXX then pulled my credit and denied the applications despite my strong internal history with XXXX, including at least XXXX paid-off loan of over {$15000.00}, which they failed to report to the credit bureaus. 

Both XXXX and XXXX  played a role in : Initiating credit inquiries based on incomplete or suppressed data Promoting offers that led to denials and credit harm Failing to ensure proper internal and external credit review protocols Withholding accurate tradeline history which would improve my score, affect loan decisioning, and change interest rate offers This situation has caused measurable injury, including : Increased number of hard inquiries Lowered credit a score due to false data scarcity Loan denials from the same lender XXXX promoted Higher interest rates across my credit profile Legal Violations XXXX  : FCRA 623 ( a ) ( 1 ), 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ) ( 7 ) OneMain FCRA 607 ( e ), 604, and deceptive trade violations XXXX  FTC Act 5 ( 15 U.S. Code 45 ) False or misleading loan offer promotion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a formal complaint and consumer credit dispute involving XXXX XXXX and XXXX concerning the suppression of my credit history, repeated deceptive solicitation tactics, and the triggering of damaging credit inquiries based on internally distorted credit profiles. 

XXXX repeatedly promoted XXXX XXXX loan offers to me through its platform and affiliated channels. I applied for those loans in good faith, based on XXXX representation that I was a qualified candidate. XXXX then pulled my credit and denied the applications despite my strong internal history with XXXX, including at least XXXX paid-off loan of over {$15000.00}, which they failed to report to the credit bureaus. 

Both XXXX and XXXX played a role in : Initiating credit inquiries based on incomplete or suppressed data Promoting offers that led to denials and credit harm Failing to ensure proper internal and external credit review protocols Withholding accurate tradeline history which would improve my score, affect loan decisioning, and change interest rate offers This situation has caused measurable injury, including : Increased number of hard inquiries Lowered credit a score due to false data scarcity Loan denials from the same lender XXXX promoted Higher interest rates across my credit profile Legal Violations XXXX  : FCRA 623 ( a ) ( 1 ), 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ) ( 7 ) XXXX  FCRA 607 ( e ), 604, and deceptive trade violations XXXX  FTC Act 5 ( 15 U.S. Code 45 ) False or misleading loan offer promotion

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 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : * XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX TO : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX Cloud, MN XXXX RE : Formal Demand for Immediate Deletion Account ( XXXX ) # XXXX and # XXXX {$610.00} Each To Whom It May Concern, This letter serves as a formal demand and legal notice under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g, 1692e, 1692f, and 15 U.S.C. 1681i. 

I am demanding the immediate deletion of the following unverified and inaccurate accounts you are reporting : Account # XXXX {$610.00} Account # XXXX {$610.00} Let it be known that a final bill or simple statement does NOT legally satisfy the requirements for debt validation under federal law. 

You are required by law to provide : A copy of the original contract bearing my wet signature A complete billing history for the account ( XXXX ) A documented chain of custody from the original creditor to Jefferson Capital Proof of licensing to collect debts in the state of Illinois Reporting this account without proper validation is a willful violation of federal law, including : 15 USC 1692g ( b ) Failing to cease collection during the validation period 15 USC 1692e ( 8 ) Communicating inaccurate information to credit bureaus 15 USC 1681i ( a ) Failing to reinvestigate disputed information 15 USC 1692f Using deceptive and unfair collection practices You are hereby given 15 days from the date of this notice to permanently delete this account from XXXX XXXX and XXXX 

Failure to comply will result in the following : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) A report to the Federal Trade Commission ( FTC ) A grievance to the Illinois Attorney Generals Office Potential civil litigation for violations of federal consumer protection laws This is your FINAL NOTICE. If you continue to report this debt without meeting the full legal requirements for validation, you will be held accountable in court. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
I am submitting this complaint to formally request the removal of XXXX inaccurate addresses that are currently being reported on my credit file by all XXXX major credit reporting agencies : TransUnion, and Equifax. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These addresses do not belong to me and have never been associated with my residence, employment, or financial history. Their continued presence on my credit reports is not only misleading, but could potentially expose me to fraud risk or the misattribution of accounts. 

The inclusion of inaccurate personal identifying information violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and up-to-date information. I am requesting that these addresses be immediately and permanently removed from my credit file across these XXXX bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/25 - XXXX my accounts ( personal and business ) were hacked Same day, I emailed and call the bank letting them know that i did not change my PW and allow any transaction. I had my account blocked. 

XX/XX/25. - took off from work and went to the bank ( WF XXXX XXXX XXXX, XXXX XXXX, CA branch ) early morning to fix my hacked accounts. 
- Found out that XXXX primier accounts and checking accounts were made online and spread my $ on my regular savings, high yield savings and checking accounts on the fake new accounts without my knowledge. 

XX/XX/25 to present- i have been trying WF to reconsider the decission on my business account claim of {$3900.00} which I never authorize but they are not responding anymore.

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 2025-07-20 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: OK

Complaint narrative:
XXXX XXXX account on my TransUnion report has a different closed date then my Equifax and according to fcra laws they have to match or be removed from my records permanently so I will not settle for anything less now it is time for TransUnion and Equifax to start going by the law please do your due diligence and make do what the law says

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
I am filing a complaint against TransUnion for failing to allow me to dispute inaccurate information on my credit report, in violation of the Fair Credit Reporting Act. A collection account from XXXX XXXX XXXX XXXX is being reported on my TransUnion credit report. I have no knowledge of this debt and am not liable for it. I have attempted to dispute the account multiple times through TransUnion 's website and other channels, but TransUnion has refused to process my dispute. Additionally, TransUnion is reporting different information than other credit bureaus. TransUnion is reporting this account as upon further review this account says it was charged off in 2020.I have documented evidence that this account has been disputed multiple times, and these disputes are even noted in the remarks. Yet TransUnion continues to report the account inaccurately and blocks further dispute submissions. This is a violation of my rights under the FCRA, which requires TransUnion to allow disputes of inaccurate information, conduct reasonable investigations, and correct or delete unverifiable data.

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 2025-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This card was opened around XXXX  from the conversation I had with the fraud department, I been fighting with this company for the longest, they still havent provided me with any prove that I opened this account, especially anything with my signature. This is really getting frustrating. The bill went from XXXX to XXXX dollars now. I feeling harassed now.

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 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
For the third time in less than a year my XXXX Citicard XXXX sent me a message that my account was past due. I contacted my bank who confirmed that they paid the bill on XX/XX/XXXX, and confirmed that the check was received on XX/XX/XXXX. The payment due date was XX/XX/XXXX. The bank provided the confirmation number and the check number to me. They deliberately hold the checks so that they can claim it is late ( which they can't do once it is cashed ). 

When I called Citi customer service, they said they didn't receive it ( as always ). They deliberately sit on checks until the account is past due so they can charge a {$41.00} dollar late fee along with increasing the interest rate and charging interest. I have never made this payment or any other payment late. I pay it in full every month. They want users to sign up for " autopay '', and I refuse to do that. A representative insisted that it takes XXXX WEEKS to receive a check from a bank ( which would require paying before you know what the bill is ). I am tired of this argument with this organization, which is the ONLY one I have trouble paying. Citi has now acquired XXXX, so now I will have the same problem with that payment. My FICO score has dropped from XXXX to XXXX because of these false claims of late payment. I want those claims removed from my credit record. 

If it has happened to me XXXX times in the past year, it is obviously chronic and is happening to others who don't file a complaint. This company needs to be curtailed in their nefarious practices and punitive actions taken against them. I want to put the {$340.00} into an escrow account until Citi has created an action plan for ending this practice. I absolutely will NOT pay a late charge or interest. Citi needs to answer for this. I can verify that every other bill in the past XXXX  years at XXXX bank has been paid on time. This is the only anomaly.

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 monetary relief
Consumer complaint received 2025-07-19 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: IL

Complaint narrative:
I am writing to formally request that you block the following fraudulent information from my credit report pursuant to 15 U.S. Code 1681c2, which allows consumers to remove data resulting from identity theft. 

I am a victim of identity theft, and the following item ( XXXX ) on my credit report are not related to any transaction I made : XXXX. Creditor Name : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX - Reason for Dispute : This account was fraudulently opened using my stolen personal information. 

XXXX XXXX XXXX XXXX XXXXXXXX Reason for Dispute : This account was fraudulently opened using my stolen personal information. 

XXXX XXXX XXXX XXXXXXXX Reason for Dispute : This account was fraudulently opened using my stolen personal information. 

XXXX XXXX XXXX XXXXXXXX Reason for Dispute : This account was fraudulently opened using my stolen personal information. 

XXXX. XXXX XXXX XXXX Reason for Dispute : This account was fraudulently opened using my stolen personal information. 

To support my request, I have enclosed the following documentation : - A copy of my Identity Theft Report ( e.g., police report or FTC Identity Theft Affidavit ) which includes my written statement affirming that the disputed information is not related to any transaction I made. 
- A copy of my government-issued ID Please block this information within XXXX business days as required by law and notify the furnisher of the information that it may be the result of identity theft. 

Thank you for your prompt attention to this matter. I look forward to receiving written confirmation once the block has been applied. 

Sincerely, 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 2025-07-19 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: FL

Complaint narrative:
I am submitting this formal complaint against Goldman Sachs Bank USA, the issuer of the Apple Card, regarding continued inaccurate reporting of a charged-off account as late each month, with a total balanced of {$4700.00} reporting every month, despite the account having been charged off and despite my documented XXXXrelated financial hardship sent to them in XX/XX/year>. 

During the height of the pandemic, I suffered a loss of income and requested relief or accommodation in line with the XXXX XXXX XXXX XXXX, which required creditors to report accounts as current if an accommodation was in place. 

Goldman Sachs failed to do so and has continued to report this account as delinquent and late even after the charge-off, which is both misleading and damaging to my credit. I've been disputing this now for over 3 years, I've recently contacted all three bureaus who has failed to fix the issues as well and it hasn't been resolved. My XXXXredit score continuously drops every month due to these reporting and it is causing more hardship, as it is damaging to my credit.

Legal Violations Involved : Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 ( a ) Furnishing inaccurate credit information FCRA 1681c Misreporting old or re-aged debt CARES Act Section 4021 Failure to properly report accommodation during XXXX FDCPA and FDUTPA ( Florida law ) Unfair and deceptive reporting and collection actions Despite my direct dispute and request for correction, Goldman Sachs has refused to remove the repeated late payment notations. This ongoing negative reporting is inaccurate and harmful and violates both federal and state consumer protection laws.

Company response to consumer: Closed with non-monetary relief