vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
This is a formal follow-up to my identity theft dispute regarding the fraudulent Apple Card account reported by GS Bank USA .

Per FCRA 1681c-2 ( a ) and in alignment with my FTC Identity Theft Report, I am demanding : Immediate and permanent deletion of this account from all credit reporting agencies Written confirmation that it will not be reinserted without full verification and proper notice Goldman Sachs has failed to provide required validation, including a signed application, ID verification documents, or chain of ownership. They only sent billing statements, which do not prove consent or identity.

The account was previously removed but later reinserted without required notice under FCRA 1681i ( a ) ( 5 ) ( B ). They also claimed to have contacted me on XX/XX/year> this is false. I received no call, voicemail, or email, and Ive provided a screenshot of my call log as proof.

These failures violate : FCRA 1681b No permissible purpose 1681e ( b ) Failure to report with maximum accuracy 1681i Unreasonable reinvestigation and reinsertion violations 1681s-2 ( b ) Failure to investigate and correct FACTA 112 Mishandling identity theft claims GLBA No proper ID verification or fraud safeguards If this matter is not resolved, I will escalate to : A formal complaint with the Office of the Comptroller of the Currency ( OCC ) A civil claim under the FCRA A joint complaint to the State Attorney General and FTC I am requesting your help in securing a lawful resolution and full deletion of this account. Account Listed : 1 ) Account Name :
APPLE CARD/GS BANK USA Amount : {$2800.00} Date Opened:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I am submitting this complaint to dispute all unauthorized and improper hard inquiries placed on my credit report I did not apply for credit or authorize a hard pull or soft pull of my credit report with the companies listed below on the dates provided. These unauthorized hard inquiries violate the Fair Credit Reporting Act ( FCRA ) by constituting an improper use of my consumer report. 

The specific unauthorized inquiries I am disputing are : XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX on XXXX XXXX, XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX. XXXX XXXX  on XX/XX/XXXX XXXX. XXXX XXXX  on XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX On XX/XX/XXXX I formally request that the companies listed above investigate this matter, confirm that I did not authorize these credit applications, and immediately notify all three Credit Reporting Agencies ( XXXX, XXXX, and XXXX  to delete these hard inquiries from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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:
Experian after many attempts to have information removed and suppressed that was fraudulent as well as being used in a manner that not only violates FDCPA but FCRA as well. They have continued this practice which violates my rights as a consumer. 2 Bankruptcies and an XXXX account. I have filed identity theft reports as well as CFPB reports to address the issue. The only agency continuing to report this information is Experian. Both XXXX and XXXX  have removed the information.

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 2025-12-01 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: NJ

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: SC

Complaint narrative:
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.

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 2025-12-01 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: WA

Complaint narrative:
b'I am submitting this letter as my second formal dispute regarding inaccuracies appearing on my Equifax, Experian and TransUnion credit report. Despite my prior\ncorrespondence, the errors have not yet been corrected. I am formally requesting that Equifax, Experian and TransUnion conduct a thorough reinvestigation in\naccordance with the b including Sections 607(a), 611(a), and 623(a)(1)(A), to ensure that all information reported in my file is accurate,\ncomplete, and verifiableXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-01 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: WA

Complaint narrative:
b'I am submitting this letter as my second formal dispute regarding inaccuracies appearing on my Equifax, Experian and TransUnion credit report. Despite my prior\ncorrespondence, the errors have not yet been corrected. I am formally requesting that Equifax, Experian and TransUnion conduct a thorough reinvestigation in\naccordance with the b including Sections 607(a), 611(a), and 623(a)(1)(A), to ensure that all information reported in my file is accurate,\ncomplete, and verifiableXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-01 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: GA

Complaint narrative:
I am filing this complaint because multiple inaccuracies appear across my credit reports regarding three separate accounts XXXX  ending XXXX, XXXX  XXXX ending XXXX, and XXXX  XXXX ending XXXX and the credit bureaus and furnishers have failed to ensure the accuracy and consistency required under the FCRA. My XXXX account is reported with conflicting balances, dates of last activity, and late payment histories : Experian lists a balance of {$8200.00} with activity on XX/XX/XXXX, Equifax lists {$8300.00} with a different activity date of XX/XX/XXXX, and TransUnion reports yet another date of XX/XX/XXXX, all while late payment information varies between each bureau. My XXXX  XXXX account ending XXXX also displays inconsistent reporting, with Experian showing a {$3600.00} balance and a XX/XX/XXXX activity date, Equifax reporting similar data but with differences in payment history, and TransUnion listing a higher balance of {$3900.00} with a XX/XX/XXXX activity date. Additionally, my XXXX  XXXX account ending XXXX contains conflicting dates of last activity XX/XX/XXXX in Experian, XX/XX/XXXX in Equifax, and XX/XX/XXXX in TransUnionwhich raises concerns about accurate DOFD reporting and potential FCRA 605 ( a ) violations regarding obsolete or incorrectly dated information. These inconsistencies across the bureaus indicate a failure to comply with FCRA 611, 607 ( b ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), 623 ( b ), 1666, and 1666a, as the information furnished does not appear to have been properly verified, updated, or corrected despite its clear impact on my consumer file and creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: PA

Complaint narrative:
This is now my third and final notice regarding inaccurate late payment entries that remain on my credit file. Despite my previous disputes and your legal obligation to maintain accurate reporting, you have failed to delete or correct the entries in question. This ongoing failure constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX  laws. 
This account was always paid as agreed. The reporting of a late payment is inaccurate and must be corrected. This constitutes a billing error under 15 U.S.C. 1666B.

No notice of any due date or missed payment was received, violating fair notice requirements under the law. 
Accounts in Dispute : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account 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 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a renewed fraud complaint against Wells Fargo. In XX/XX/year>, unauthorized transfers were made from my savings to checking, and then to XXXX XXXX. I immediately reported these transactions as fraud. Despite my repeated disputes and follow-ups, Wells Fargo has denied my claim, stating that the transfers were authorized yet they refuse to provide me the call transcript without a court order. I never approved these transactions, nor did I provide access codes. 

I am resubmitting my case using newly obtained information from XXXX  which confirms I was a victim of identity theft. This information was not properly considered by Wells Fargo. The bank has failed in its duty to investigate the fraud and has placed the burden on me to prove innocence without transparency or access to their decision-making process. I am requesting intervention to ensure a full and fair investigation, with access to records, and reimbursement of the stolen funds.

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 2025-12-01 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: GA

Complaint narrative:
Re : Formal Dispute Demand for Validation and Immediate Removal of Unverified Accounts To Whom It May Concern, This letter serves as a formal dispute and demand for validation under the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ) and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692c.

According to federal law, you are required to provide verifiable proofspecifically, the original consumer contract bearing my signaturefor any account you report. Without such proof, your reporting is unreliable and exposes consumers to fraudulent accounts.

Under 1692g, debt collectors and furnishers must provide proper validation of alleged debts upon request. Under 1692c, you are prohibited from continued collection or reporting activity without first providing the requested validation.

Your failure to positively verify these accounts has directly harmed my ability to obtain credit. Therefore, I demand that you either provide verifiable proof or immediately delete the following accounts from my credit file : Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX 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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Creditor : SYNCB / City Furniture Account Number : XXXX Consumer : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX I am requesting a full investigation and removal of this account due to multiple FCRA reporting violations and inaccurate data being furnished to the credit bureaus. 

This XXXX XXXX account is reporting : A recent payment of {$43.00} in XX/XX/XXXX even though the account is closed, which is factually inaccurate. 
A balance of {$2000.00} while the credit limit is {$2000.00}, which represents incorrect balance and utilization reporting. 
XX/XX/XXXX day late payments that are inconsistent with my payment history and the account closure date. 
Continuous updates after the account was closed, which appears to be illegal re-aging of debt under FCRA 605 & FCRA 623. 
Payment history conflicts, including 90-day late reporting while simultaneously reporting an updated recent payment. 

These inaccuracies violate FCRA 602, 607 ( b ), and 623 ( a ) ( 1 ). 
I am requesting the CFPB require SYNCB to : 1.Provide documented proof of all data being reported 2.Correct or remove the account entirely if they can not validate accuracy I am requesting full deletion of this account from all credit bureaus due to inaccurate and conflicting 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 explanation
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
My wallet and phone got miss placed and someone got into my account and stole money and made false transactions in my name without my consent or knowledge of knowing anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
I am filing this 7th follow-up CFPB complaint because multiple charged-off accounts, collection accounts, and hard inquiries continue to be reported inaccurately and without proper verification across Experian, Equifax, and TransUnion , violating my rights under FCRA 611 ( a ), FCRA 623 ( a ) ( 1 ) ( A ), and FCRA 605B / 15 U.S.C. 1681c-2. All three bureaus continue reporting the charged-off XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account with a {$340.00} balance despite the information being unverifiable and not properly validated as required. Under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) regarding accurate reporting and proper debt documentation for accounts over {$600.00}, the charged-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account with a {$710.00} balance and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account with a {$2900.00} balance * * are also still being reported across all bureaus without the legally required 1099-C, making the reporting incomplete and noncompliant. Additionally, under FDCPA 807, FDCPA 809, and FCRA 605B, the collection account XXXX XXXX XXXX  with a {$730.00} balance continues to be reported in Experian, Equifax, and TransUnion without proper validation or verification. Hard inquiries reported in violation of FCRA 619, FCRA 604 ( a ), and FCRA 604 ( f ) also remain, including the following Experian inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not authorized, not properly certified, and were not supported by any permissible purpose documentation. After multiple disputes, the bureaus have failed to remove these unverifiable items, demonstrating repeated noncompliance and improper reinvestigation procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
I am filing this 7th follow-up CFPB complaint because multiple charged-off accounts, collection accounts, and hard inquiries continue to be reported inaccurately and without proper verification across Experian, Equifax, and TransUnion , violating my rights under FCRA 611 ( a ), FCRA 623 ( a ) ( 1 ) ( A ), and FCRA 605B / 15 U.S.C. 1681c-2. All three bureaus continue reporting the charged-off XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account with a {$340.00} balance despite the information being unverifiable and not properly validated as required. Under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) regarding accurate reporting and proper debt documentation for accounts over {$600.00}, the charged-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account with a {$710.00} balance and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account with a {$2900.00} balance * * are also still being reported across all bureaus without the legally required 1099-C, making the reporting incomplete and noncompliant. Additionally, under FDCPA 807, FDCPA 809, and FCRA 605B, the collection account XXXX XXXX XXXX  with a {$730.00} balance continues to be reported in Experian, Equifax, and TransUnion without proper validation or verification. Hard inquiries reported in violation of FCRA 619, FCRA 604 ( a ), and FCRA 604 ( f ) also remain, including the following Experian inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not authorized, not properly certified, and were not supported by any permissible purpose documentation. After multiple disputes, the bureaus have failed to remove these unverifiable items, demonstrating repeated noncompliance and improper reinvestigation procedures.

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