vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: SC

Complaint narrative:
In XX/XX/XXXX, I enrolled in an online XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX based in XXXX. I made two payments using my Apple Card, issued by Goldman Sachs Bank USA : {$240.00} on XX/XX/XXXX {$820.00} on XX/XX/XXXX ( Total disputed : {$1000.00} ) The {$240.00} payment was required just to speak with their lead coach, XXXX XXXX, who explained the course details and payment plan. I was told this would lead to live, interactive coaching sessions. I trusted them, so I didnt ask for written proof, didnt record any calls, and didnt send any emails. All communication was done by phone, and I did not expect to be misled. 

After making both payments, they gave me access to some basic pre-recorded videos as a kind of " preparation. '' I completed those sessions because I was following their instructions and getting ready for the actual live classes. 

But the live coaching never started. I kept calling, and every time they said, It will start next week. This continued well into XX/XX/XXXX, but no class ever happened. 

When I realized this wasnt going anywhere, I filed a dispute with Apple Card. Goldman Sachs initially gave me a temporary credit, but later reversed it, saying there was no billing error. The merchant is now falsely claiming that I received the service using those basic preparation videos as proof, even though they were not the actual course I paid for. More than half of the {$240.00} charge was just for the initial consultation call, not for any real training. 

This situation is extremely frustrating. I feel like Ive been cheated and misled. The lack of email documentation doesnt mean I wasnt affected I simply trusted them, and now they are using that trust against me. 

I never attended a single class. I never received the interactive coaching I paid {$1000.00} for. I respectfully request that the CFPB help me reopen this case and recover my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I received {$160.00} on my XXXX account then I did aninstant transfer to my bank account ( Navy Federal ) at XXXX XX/XX/XXXX. Today is Monday XX/XX/XXXX. I still havent received my Instant deposit and XXXX isnt helping so Im submitting a claim to both companies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NC

Complaint narrative:
he Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-30 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: TX

Complaint narrative:
I am the victim of identity theft. I have submitted a formal dispute along with an FTC Identity Theft Report and all required documentation to support the claim. 
Under the Fair Credit Reporting Act, the bureaus are obligated to block all fraudulent accounts within 4 business days of receiving proper notice.I am demanding permanent deletion of the following : Fraudulent accounts and inquiries & Inaccurate or unverifiable personal information.I am attaching my FTC report, formal dispute letter, and government-issued ID, SSN, and proof of 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 non-monetary relief
Consumer complaint received 2025-06-30 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-30 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: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-06-30 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: SC

Complaint narrative:
I am a victim of identity theft. There are several fraudulent accounts on my 3 credit reporting bureaus. Ive never gave anyone permission or authorization to open these accounts. Inquiries are XXXXXXXX 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 2025-06-30 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: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I am reporting an issue concerning an open tradeline on my credit report that reflects XXXX or more late payment ( s ) I believe to be inaccurately reported. I have reviewed my records and submitted multiple formal disputes directly to the creditor and the credit bureaus to address the discrepancies. However, to date, I have not received any credible evidence or billing records to validate that these reported delinquencies actually occurred. 
The payment history being reported shows dates and delinquency statuses that do not match my actual payment activity, which creates a misleading profile of my credit behavior. Instead of a proper investigation or detailed explanation, I have received unhelpful responses that do not resolve the reporting errors. 
This mishandling of my dispute violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report data that is both accurate and complete. The failure to correct or validate this informationafter multiple attemptshas resulted in unjust damage to my credit profile. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: MI

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-30 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: PA

Complaint narrative:
My account with DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-06-30 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a charge of {$1100.00} from the merchant  XXXX XXXX XXXX  related to a moving service that failed to fulfill its contractual obligations. This amount represents approximately 40 % of the total payment made, with the remaining balance paid in cash. 
Per the signed contract, the moving company was responsible for disassembling and reassembling furniture. However, upon arrival, the delivery team refused to provide this service despite the clear terms outlined in the agreement. Additionally, the delivery occurred significantly past the guaranteed delivery date of XX/XX/year>, and was completed under unprofessional circumstances. I was first told the delivery would occur at XXXX XXXX, but it did not take place until XXXX XXXX. Once items were unloaded, the team again declined to assemble any furniture. 
Due to this delay and failure to provide contracted services, I was forced to incur out-of- pocket expenses for essentials such as an inflatable bed, clothing, toiletries, and kitchenware while waiting for my belongings. The delivery ultimately occurred on XX/XX/XXXX, XXXX days past the guaranteed date. 
For these breaches of contract, I am requesting a refund of {$1100.00}. Attached are supporting documents including the signed contracts ( with key violations clearly marked ), and receipts for cash payments. 
Please let me know if you require any further information or documentation. I appreciate your time and consideration in resolving this matter. 
Sincerely,

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 2025-06-30 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: LA

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$11000.00} INQUIRIES : XXXX  Date : XXXX XXXX  Date : XXXXXXXX XXXX XXXX XXXX  Date : XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX  Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XXXXXXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX XXXX Date : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: VA

Complaint narrative:
I am disputing inaccurate and unverifiable negative accounts on my Experian credit report dated XX/XX/XXXX. These entries violate the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681e ( b ), 1681i ( a ) ) and Fair Debt Collection Practices Act ( FDCPA 15 U.S.C. 1692g ).

Collection Accounts ( unverified, possibly duplicate reporting ) : XXXX XXXX XXXX  ( Acct # ending XXXX ) : {$640.00} XXXX XXXX XXXX ( Acct # ending XXXX ) : {$720.00} XXXX  XXXX XXXX ( Acct # ending XXXX ) : {$630.00} Issues : Possible duplicate reporting of same original creditor ( XXXX XXXX XXXX  XXXX. ) No evidence of chain of title or validation Failure to note consumer dispute Charge-off Accounts ( incomplete or incorrect ) : XXXX  XXXX ( Acct # ending XXXX ) : {$1300.00} XXXX  XXXX ( Acct # ending XXXX ) : {$700.00} XXXX XXXX  : {$9000.00} ( written off ) XXXX XXXX XXXX XXXX  : {$490.00} XXXX : {$500.00} Issues : Inconsistent or stale status dates Incomplete balance and charge-off validation Open Accounts with Severe Lates ( potentially misleading ) : XXXX XXXX ( opened XXXX and XXXX ) : {$33000.00} and {$4600.00} Issues : Reporting repeated severe lates despite no payments since XXXX Potentially outdated or misleading balance reporting Legal basis for dispute : FCRA 1681e ( b ) : Inaccuracy and incompleteness FCRA 1681i ( a ) : Items unverifiable must be deleted FDCPA 1692g ( b ) : No debt validation provided Requested Resolution : Full reinvestigation of all listed accounts Immediate deletion of unverifiable, inaccurate, and duplicate negative items Proper notation of disputed by consumer on all accounts I am a single mother seeking to rebuild credit for a checking account. These entries unfairly damage my credit score and violate federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation