vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am filing a complaint against Goldman Sachs Bank USA regarding a charge made to my Apple Card by XXXX on XX/XX/2025, in the amount of {$1600.00}. 

On XX/XX/2025, I contacted Apple Card support ( via text message ) because I was concerned that XXXX might charge my account again despite an ongoing dispute. I was specifically told by the representative that if I changed my card number, XXXX would no longer be able to charge me. 

Relying on this advice, I immediately changed my Apple Card number through the XXXX XXXX, believing this would block XXXX from making any further charges. 

Despite this, on XX/XX/XXXX two days after I changed my card number XXXX was still able to successfully charge my new card number for {$1600.00}. 

I disputed the charge twice, explaining that I had taken preventative steps based on Goldman Sachs own instructions. Both disputes were denied, and when I called Apple Card support again, they stated that nothing can be done, despite the fact that the charge only happened because I followed their advice. 

I have written proof of the XX/XX/XXXX conversation showing I was told the card number change would stop future charges. I believe Ive been misled and left financially responsible for something I actively tried to prevent. 

I am requesting that this charge be reversed, and that I not be held liable, as this issue directly resulted from inaccurate and misleading instructions provided by the card issuer. 

I am currently withholding payment on this specific charge, and I will continue to do so in accordance with my rights under the Fair Credit Billing Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NV

Complaint narrative:
I am filing a complaint against cashapp ( block, inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ) specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act, ( EFTA ) and regulation E. These transactions have caused significant inconvenience and financial hardship and I am seeking appropriate redress for these violations. Thankyou

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
I am wri ng to formally dispute several inaccuracies on my credit report that are significantly impac ng my financial well-being. As a consumer, I am fully aware of my rights under the Fair Credit Repor ng Act and expect a thorough XXXX ga on of thes e inaccuracies, as mandated by federal law. It is alarming to note that the Consumer Financial Protec on Bureau ( CFPB ) has r ecently taken ac on against Experian, Equifax, and Transunion for their failure to conduct proper inves ga ons into consumer disputes. The CFPB has described these prac ces as " sham XXXX ga ons, '' highligh ng systemic failures that not only und ermine consumer trust but also result in wrongful credit repor ng. Prac ces such as inadequate XXXX ga ons, reinser on of previously disputed and inaccurat e informa on without proper explana on, and insufficient no fica on to consumers about the inves ga on outcomes are unacceptable. Such shortcomings raise serious concerns that my dispute may also be mishandled. Below, I have delineated the specific accounts listed on my credit report that I firmly believe are inaccurate and do not belong to me : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
I am wri ng to formally dispute several inaccuracies on my credit report that are significantly impac ng my financial well-being. As a consumer, I am fully aware of my rights under the Fair Credit Repor ng Act and expect a thorough XXXX ga on of thes e inaccuracies, as mandated by federal law. It is alarming to note that the Consumer Financial Protec on Bureau ( CFPB ) has r ecently taken ac on against Experian, Equifax, and Transunion for their failure to conduct proper inves ga ons into consumer disputes. The CFPB has described these prac ces as " sham XXXX ga ons, '' highligh ng systemic failures that not only und ermine consumer trust but also result in wrongful credit repor ng. Prac ces such as inadequate XXXX ga ons, reinser on of previously disputed and inaccurat e informa on without proper explana on, and insufficient no fica on to consumers about the inves ga on outcomes are unacceptable. Such shortcomings raise serious concerns that my dispute may also be mishandled. Below, I have delineated the specific accounts listed on my credit report that I firmly believe are inaccurate and do not belong to me : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Guglielmo and Associates
State: AZ

Complaint narrative:
Original debt was {$3100.00} There was an agreement and settlement with guglielmo and associates for the amount of {$2000.00} Payments have been done every month for the past 6 months as agreed. 
XXXX still showing on all of my credit reports agencies as I owe the full amount

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-29 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and Im writing on my own behalf to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and Im writing on my own behalf to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-04-29 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: CA

Complaint narrative:
I recently reviewed a copy of my Experian credit report and noticed some inaccurate information that I did not authorize nor do I recognize I have filed a FTC identity, theft report, and demand that these items in dispute be updated to PAANL status where applicable and a permanent deletion of all disputed accounts these accounts are XXXX  XXXX  account number XXXX open XX/XX/XXXX, XXXX and XXXX account number XXXX opened XX/XX/XXXX. These accounts are demand be removed from my credit report and Missouri higher education account member XXXX. I would like updated to paid as agreed Never late status PAANL status and also a list of inquiries that I would like permanently deleted from my account are included in my dispute letter, which has also been uploaded to this website along with my FTC reports and my personal information as well please correct this matter it has affected my ability to purchase a home under FCR a section 605B

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 2025-04-29 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: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-29 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation
State: IN

Complaint narrative:
I was approved for an XXXX XXXX in XXXX or XXXX from XXXX XXXX in which I made my payments with no issues the people were wonderful and when I was in a bind they helped me by refinancing my XXXX XXXX to help me during rough times. In I think XXXX of XXXX something happened and my loan was transferred over to World Finance without me being notified. I never received any notices by mail, email or even a Phone call. When I tried several times to contact XXXX XXXX to submit my payment of {$190.00} I believe I finally called a branch in XXXX Indiana. This is when A lady helped me after talking to her branch manager that the office in XXXX XXXX was shut down and all accounts was handed over to World Finance to take over. This is where the issue is, I was making a payment and the lady explained to me that it isn't an XXXX XXXX that it is a XXXX XXXX. She was rude and unprofessional. I then called in again and made another payment when again I was reminded that it was not an XXXX XXXX but a XXXX XXXX. Now when I last checked with XXXX my payoff was around {$2400.00} and when I checked with World Finance it was some how back up to {$2700.00}. I told them that isn't right as I have always keep track at home. After several times arguing I finally called and requested the truck to be reposed and I would just like a bill and I would go from there. I gave them 90 Days to comply and it has been well over 90 days as it has been since XXXX of XXXX when I last talked to anyone. Since then the truck is still sitting here and they have the title on a loan that somehow changed from XXXX to XXXX with a different amount. I refuse to pay anything until this is looked at.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I issued a complaint based on two issues. Closing my credit card account for no apparent reason, and then making me wait 120 days before issuing a check for rewards earned. They responded to the account closing but did not respond to the delay in paying out rewards earned.

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 2025-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-29 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:
Subject : Formal Complaint Regarding Inaccurate XXXX XXXX XXXX Reporting To Whom It May Concern, I am writing to file a formal complaint regarding the continued and inaccurate reporting of a Chapter XXXX bankruptcy on my Experian credit file. Despite my numerous dispute attempts via mail, phone calls, and uploaded documentation, Experian has refused to remove this false item from my credit report. 

I want to make it absolutely clear that I have never filed for bankruptcyneither XXXX XXXX XXXX XXXX XXXX. I have provided proof of this by contacting the relevant court directly and submitting supporting documents. I also reached out to XXXX, who confirmed that this information should not be associated with me and have attempted to contact Experian directly regarding the error. Still, the inaccuracy remains. 

This false bankruptcy is a serious violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which requires Experian to conduct a reasonable reinvestigation of any disputed item. Additionally, 15 U.S.C. 1681e ( b ) mandates that Experian must follow reasonable procedures to assure maximum possible accuracy of the information it reports. You are currently in breach of both provisions.

Further, I want to point out that XXXX and XXXX are not reporting this bankruptcyonly Experian is inaccurately doing so. According to the FCRA and the Privacy Act of 1974 ( 5 U.S.C. 552a ), any sharing or reporting of incorrect personal financial information without proper verification is both unlawful and damaging.

I also want to note that during my most recent attempt to dispute this by phone, your representatives were unnecessarily rude, unhelpful, and dismissive of my concerns, which only adds to the emotional and financial stress this situation has caused me. 

Let me be clear : if this issue is not resolved immediately and the XXXX XXXX XXXX permanently removed from my credit file, I will have no choice but to pursue legal action. I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and to seek legal counsel for violating my rights under federal law. 

This letter serves as a final demand to correct your records and provide written confirmation that the bankruptcy has been removed within XXXX days of receipt of this letter.

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 2025-04-29 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information reported by XXXX XXXX XXXX XXXX XXXX accounts # XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ). The following errors require immediate correction and deletion : Inaccuracies Identified : Incorrect Payment Dates : The accounts falsely reflect a " 60 days past due '' status in XXXX and XX/XX/year>, despite my records showing timely payments. 

The " Last Payment Made '' dates ( XX/XX/year> and XX/XX/year> ) are incorrect. 

Misreported Delinquency : The " Maximum Delinquency '' notations for both accounts are inaccurate and unsupported by evidence.

Outdated/Incomplete Investigation : Previous disputes resulted in partial updates but failed to fully address the errors, as required by FCRA 611 ( 15 U.S.C. 1681i ).

Legal Basis for Deletion : Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers ( XXXXXXXX XXXX XXXX XXXX must : Correct and update inaccurate information. 

Conduct a reasonable investigation upon dispute.

Delete unverifiable data within 30 days.

Since the bank has failed to provide verifiable proof of the disputed delinquency and payment dates, these accounts must be permanently deleted from my credit file. 
I will include the investigation results in upload.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: FL

Complaint narrative:
A paid debt to XXXX, ended up being picked up by Jefferson Capital, right as I paid the last {$400.00} dollars to XXXX. The initial email was rude and notated the wrong phone model on the account and demanded payment of XXXX. Of note : XXXX XXXX XXXX was where I had purchased that phone model and they absolved a bill due to major stalking and hacking concerns which have persisted from XXXX, This concern prompted my SERVICE of the unlocked XXXX XXXX XXXX XXXX phone to the service of XXXX in XXXX. The hacker was the collection agent, I am quite certain. XXXX notated that this bill was completed upon my last {$400.00} dollar payment. Due to XXXX registry and XXXXXXXX XXXX XXXX, It got beyond my means. By XXXX, I requested information regarding this bill still on my Credit Report. Every time I dispute it, they reclaim the charge as new. In addition, they provide THE WRONG PHONE NUMBER on the Credit Report. This way, if I call that number, I get scrolled off to my STALKER. Of note, they are finally putting these horrifying people in jail. I have written a letter to the company today, requesting that they verify debt information. I was given the correct phone number this time via the website. The phone number on this CREDIT REPORT is different. They reposted this bill from XX/XX/XXXX. 
JeffCapSYS balance XXXX last updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN. XXXX XXXX pn on the credit report. I can provide photo documentation. 
actual phone number XXXX I have called, there is no account in my SSN I sent mail to the above address as this was verified on the website to verify the debt. 
I found this information out by a search from XXXX. 
I feel this is a fraudulent situation. I have multiple affidavits and reports to law officials regarding my stalking situation. I am of little means, this debt has caused a hardship, Please help.

Company response to consumer: Closed with explanation