vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Subject : Request for Immediate Removal of Inaccurate Information Under FCRA 623 ( a ) ( 8 ) Dear Early Warnings, I am writing to formally dispute the accuracy of certain information on my credit report as provided by your agency. As a victim of fraud, I believe the listed accounts are inaccurate and not reflective of my credit history. 

The accounts in question are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account # : XXXX - Open Date : XX/XX/year> According to the Fair Credit Reporting Act, I have the right to request verification of any debt reported on my credit report. To date, I have not received any proof or documentation supporting the validity of these accounts. 

Therefore, I request that these accounts be removed from my credit report immediately. Please investigate this matter and provide me with a response as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/year> charge to XXXX for {$49.00} ... called my bank and told them this was not me... they canceled my card and sent me a new XXXX. 

New Card XX/XX/year> {$4.00} charge to XXXX XX/XX/year> {$9.00} charge to XXXX XX/XX/year> {$9.00} charge to XXXX XX/XX/year> {$83.00} charge to XXXX XX/XX/year> {$100.00} charge to XXXX XX/XX/year> {$100.00} charge to XXXX XX/XX/year> {$10.00} charge to XXXX XX/XX/year> {$100.00} charge to XXXX XX/XX/year> {$100.00} charge to XXXX XX/XX/year> {$100.00} charge to 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 monetary relief
Consumer complaint received 2025-07-05 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I made a purchase that was posted on my statement on XX/XX/year>, for {$100.00}. The package was never delivered to me. XXXX returned the item to the merchant on XX/XX/year>. I received nothing, and XXXX still being charged. 

I originally filed a dispute with Citibank on XX/XX/XXXX, well within the 60-day timeframe. However, the merchant contacted me and promised to refund me if I canceled the dispute. I trusted them and closed the case. But they never issued the refund. 

After realizing I was misled, I contacted Citibank customer service and reopened the dispute on XX/XX/XXXX. I also submitted supporting documents, including proof that the item was returned to the merchant. 

Citibank later denied the case, claiming I submitted it too late. This is incorrect. I had filed the original dispute on time, and the re-submission was still within the allowed 60-day window. Citi is refusing to acknowledge my original timely dispute.

I now have no product and no refund. Im requesting CFPBs help to reopen this dispute and ensure Citibank handles it properly.

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 2025-07-05 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: LEXISNEXIS
State: GA

Complaint narrative:
LexisNexis is reporting incorrect information on my consumer report. This information has not been verified as accurate and more have LexisNexis did not provide any evidence from their investigation. 

- XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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:
XXXX  has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX inaction violates federal law and my rights as a consumer. 
Account : 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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX XXXX XXXX. I AM SENDING THIS COMPLAINT TO THE CREDIT AGENCIES, BECAUSE SOMEONE STOLE MY IDENTITY AND IS OPENING FRAUDULENT ACCOUNTS IN MY NAME IN THE STATE OF FLORIDA. I HAVE NEVER LIVED IN THAT STATE. I HAVE ALWAYS LIVED IN THE STATE OF GEORGIA IN THE XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX XXXX XXXX. I AM SENDING THIS COMPLAINT TO THE CREDIT AGENCIES, BECAUSE SOMEONE STOLE MY IDENTITY AND IS OPENING FRAUDULENT ACCOUNTS IN MY NAME IN THE STATE OF FLORIDA. I HAVE NEVER LIVED IN THAT STATE. I HAVE ALWAYS LIVED IN THE STATE OF GEORGIA IN THE XXXX XXXX XXXXXXXX.

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 2025-07-05 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Consumer Services LLC Executive Consumer Relations XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Under FCRA and Consumer Law To Whom It May Concern, I am formally disputing inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised concerns regarding Equifaxs failure to conduct proper investigations. A CFPB lawsuit alleges that Equifax and Experian engaged in inadequate investigations, violating consumer protection laws and failing to meet its obligations under the FCRA.

As outlined in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Additionally, per 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly corrected or deleted. Failure to comply constitutes a violation of federal law. 
I request that EQUIFAX : 1. Conduct a thorough reinvestigation of the following disputed accounts : o 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 2. Remove all " NON-MAIL-ABLE '' addresses and ensure that only one correct address is listed to maintain accuracy.

3. Provide me with all documentation used to verify the accuracy of the disputed information.

4. Correct or delete any information that can not be verified or is inaccurate, as required by law.

If equifax fails to comply, I will escalate this matter by filing a CFPB complaint regarding improper investigations, as previously cited in legal action against equifax. 
I have enclosed a copy of my identification and relevant supporting documents to facilitate your investigation. Please respond in writing within the legally mandated timeframe and provide written confirmation of any changes made to my credit file. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Revco Management, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Dispute Handling by Revco Solutions XXXX Inc. and Spire To Whom It May Concern : I am writing to file a formal complaint against Revco Solutions , Inc. ( a third-party debt collector ) and XXXX ( the original creditor ) for reporting inaccurate information to the credit reporting agency XXXX, and for failing to correct these inaccuracies after I submitted documentation supporting my dispute. 

Specifically, the account in question contains incorrect dates and an inaccurate final balance that do not reflect the actual billing history. I moved states XX/XX/XXXX and was billed all the way until XXXX or XXXX. I submitted a dispute to both XXXX and XXXX, along with supporting documents to validate my claims, yet the dispute was denied without any reasonable explanation or correction. 

This account has caused harm to my credit profile, and I believe it is in direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported on consumer credit files be accurate and verifiable. Under the FCRA, when a consumer disputes an item and provides documentation, the furnisher of the data is obligated to perform a reasonable investigation and correct or delete inaccurate or unverifiable information. This has not been done in my case. 

I respectfully request the CFPBs assistance in investigating this matter. I am seeking the removal of the inaccurate account from my credit report and a full review of how the dispute was handled by Revco Solutions , Inc., XXXX, and XXXX 

I have documentation and account information available to support this claim and will gladly provide it upon request. 

Thank you for your attention and assistance with this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I have tired to remove this account from my XXXX  account numerous times. my Information was involved in the XXXX  breach, my email was hacked and I have been a victim of identity theft since 2020.im so confused as to why its removed from ever other account but XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: PA

Complaint narrative:
Some accounts listed on my credit report are unfamiliar and were never authorized by me, indicating potential identity theft. Ive previously contacted you about this, and Im now asking for these accounts to be removed from my report immediately. This issue has been very stressful, as the accounts dont accurately reflect my credit usage or financial behavior. Its been a difficult situation, and I am prepared to pursue legal remedies to address it. These errors are significantly affecting my financial goals, including buying a house and supporting my family. I trust we can resolve this swiftly.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCM Finance LLC
State: LA

Complaint narrative:
This car loan XXXX is showing when it post be XXXX balance but it showing a XXXX balance and its not correct for car this in inaccurate information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
In early XX/XX/year>, I contacted Apple Card Support via chat about a payment issue. The representative confirmed in writing that Apple/Goldman Sachs would not charge me interest or cancellation fees if I made the payment using the correct bank account that same day. 

I followed their instructions and made the payment. However, I later spoke with another representative who said the previous statement would not be honored and that I would be charged interest anyway. 

This is both misleading and unfair. I relied on the companys written promise to avoid interest. I am attaching a screenshot of the original conversation for your review. 

I request that Goldman Sachs honor the written agreement and remove the interest charges from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-05 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2025-07-05 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: NY

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. 


I told Experian, Transunion, and Equifax to reinvestigate these accounts : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-07-05 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
This company is saying I have a balance of {$6600.00} this is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: NJ

Complaint narrative:
My student loan was previously assigned to XXXX in XXXX. I always made my monthly payments on time and never had an issue. In XXXX, I made my monthly payments to XXXX, and they sent me the money back via check. They advised me that they put all student loan accounts on hold due to COVID and they would notify me when the payments would be due again. I called them a few times, and they advised that the accounts were still on hold. I never received a call or any further correspondence from XXXX. On XXXX XXXX XXXX, I tried to obtain a student loan from XXXX XXXX for my daughter 's senior year at XXXX University. I was stunned when it was denied due to delinquent payment on my student loan account. I ordered my credit reports from Experian, XXXX XXXX XXXX and noticed that a company named XXXX reported me delinquent for nonpayment on XXXX XXXX XXXX. I had no clue who this company was and called them. The representative advised me that they took over the federal student loans from XXXX and I was delinquent in my payments. I advised the representative that I did not receive any correspondence from her company regarding the transfer of the loan or any payments that were due. She stated that they sent an email and made phone calls but never sent anything in writing via the U.S. postal service. I advised that I never received any calls and do not routinely check my emails, especially due to spam and phishing scams. Also, emails should not be the primary communication utilized for this sensitive issue. During the call, I made the payments for the past due amount and asked the representative to reconcile the delinquency report to the credit bureaus, but she declined. I advised her that this was not my fault as I did not receive anything in writing regarding these payments. I explained that I always pay my bills on time and value my credit report scores ( which were previously XXXX on all three bureaus ). I am a single mother who is assisting my daughter with her college tuition and this unfair reporting has major repercussions on obtaining her senior year loan and any future loans that we might need. If I received written correspondence I would have known about the transfer and made the payments timely as I have always done. I am very disgusted with the unprofessional practice of XXXX and need to get this rectified as I've worked my entire life to establish great credit and provide for my child.

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