vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
On XX/XX/XXXX, I was charged {$2600.00} on my Apple Card, issued by Goldman Sachs, for XXXX XXXX XXXX purchased through XXXX XXXX. The medication was filled and shipped by XXXX XXXX, a compounder that was later found to be operating illegally and unsafely. 

After receiving the medication, I discovered that : XXXX XXXX  had failed multiple inspections by the Florida Department of Health due to unsanitary and unsafe compounding practices, The pharmacy was not licensed in California, where I reside and where the medication was shipped, in direct violation of state law, The facility lacked required sterile compounding licensure and documentation for XXXX XXXX XXXX XXXX XXXX XXXX, The pharmacy subsequently voluntarily relinquished its license to avoid prosecution. 

I filed a dispute with Goldman Sachs providing documentation on XX/XX/XXXX in good faith, supported by extensive documentation : The Florida DOH investigative report detailing safety violations ; Proof of XXXX license surrender ; My purchase receipt and prescription ; Email correspondence with XXXX XXXX in which I raised concerns. 

Despite this, Goldman Sachs ruled against me and closed the dispute in the merchants favor, stating that the transaction did not qualify for a refund under XXXX XXXX Terms of Service. I followed up with a second written appeal on XX/XX/XXXX, reiterating that : XXXX did not allow patients to choose a pharmacy and failed to disclose that XXXX would be used ; The product was misrepresented, unlawfully shipped, and compounded under conditions that posed health risks ; The transaction violated both Goldman Sachs cardholder terms and XXXX XXXX own policies, which prohibit the sale of illegal, unregulated, or unsafe products ; Terms of Service can not be used to enforce or shield clearly unlawful and misrepresented transactions ; Other customers in nearly identical situations had their disputes approved, and I requested the same standard of fairness.

Because Goldman Sachs has now closed the case with no resolution in my favor, I am seeking independent review by the Consumer Financial Protection Bureau. This transaction involved a dangerous and misrepresented product, and I believe the denial fails to uphold basic consumer protections and billing safeguards under the Fair Credit Billing Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( XXXX  ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( XXXX  ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-06 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:
Request for Removal of Inaccurate Personal Information Pursuant to the FCRA Dear XXXX, This is a formal request under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) for the immediate investigation and removal of inaccurate personal information currently listed on my credit file.

According to the FCRA Section 609 ( c ) and Section 611, I am entitled to a fair and accurate report, and I am requesting the deletion of the following incorrect and unverifiable personal information : Incorrect Names ( not mine ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses ( never lived at ) : XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX My correct legal name is XXXX XXXX XXXX XXXX, and my only current and valid address is : XXXX XXXX XXXX XXXX XXXX, NY XXXX I have never lived at the addresses listed above, and the alternate names are not my legal or alias names. Including such incorrect information on my credit report violates my rights under the FCRA Section 602 ( a ), which requires consumer reporting agencies to assure maximum possible accuracy. 

Attached are copies of : My government-issued ID A utility bill showing my current address A copy of my XXXX  credit report with incorrect information highlighted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: MI

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under XXXX US code XXXX ( b ) and XXXX use XXXX ( XXXX ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX CARD # XXXX - Date Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( XXXX  ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only XXXX week remaining to finalize my home purchase. XXXX refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and XXXX stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX & TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-08-06 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:
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 explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a XXXX  on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " U.S. Bankruptcy Court-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court U.S. XXXX XXXX  that they do not report or furnish XXXX  proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the XXXX  account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this XXXX  on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. 20XXXX Re : Complaint Against American Express and XXXX XXXX XXXX, XXXX. 



Dear Sir or Madam : I am writing to formally file a complaint against American Express and its third-party debt collection agency, XXXX XXXX XXXX XXXX XXXX, regarding an unresolved debt that I have made repeated, good faith efforts to settle over the past year. 

Since approximately XX/XX/XXXX, I have contacted both American Express and XXXX XXXX XXXX on multiple occasions in an effort to pay off my outstanding balance. I have consistently offered to settle the account with lump-sum payments ranging from 60 % to 80 % of the total balance owed. Each of these offers has been rejected without meaningful discussion or counteroffer. 

I have kept records and recordings of all communications related to this matter. My attempts to reach an agreement have been met with what I believe to be unfair treatment and bias by the representatives of XXXX XXXX XXXX. Their unwillingness to negotiate in good faith appears inconsistent with standard industry practices and raises concerns regarding potential discriminatory or retaliatory behavior. 

In XX/XX/XXXX, after explaining these difficulties to a representative of American Express, I was informed that the debt would be reassigned from XXXX XXXX XXXX back to American Express. I was advised to call American Express directly the following Friday to arrange payment. However, when I did so, I was told that the account remained with XXXX, leaving me once again in limbo, unable to resolve the debt despite having the means to do so. 

As a consumer rights defense litigator, I am aware that similar accounts have been settled for significantly less than what I have offered. Yet, I have been denied the same opportunity without valid justification. Meanwhile, the continued reporting of this delinquent debt is causing severe harm to my creditworthiness and daily financial well-being. 

For your review, I have attached the following recorded communications as evidence : - Exhibit A : XXXX - Exhibit B : Call Recording XXXX - Exhibit C : Call Recording XXXX - Exhibit D : Call Recording XXXX - Exhibit E : Call Recording XXXX - Exhibit F : Call Recording XXXX I respectfully request the Bureaus intervention to review this matter and compel American Express and XXXX XXXX XXXX to respond in a fair and lawful manner . My goal is to resolve this matter amicably and expeditiously, and I am prepared to make a lump-sum payment upon reasonable terms. 

Please feel free to contact me for any additional documentation or full recordings that may assist in your review. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: NC

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 


XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX  Account Type : Installment Date Opened : XX/XX/year> Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from XXXX. 
A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ Copy of Credit Report Fair Credit Reporting Act 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing a formal complaint against Equifax, Experian, and TransUnion for failing to conduct a proper reinvestigation of inaccurate personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

I submitted a dispute requesting correction of incorrect name, account not mine, wrong balance, inaccurate late payment, inflated balances, etc. along with supporting documentation. The CRA responded to some claiming the information was " verified as accurate '' but failed to provide any reasonable evidence or explanation of the verification process. This appears to be a cursory or automated response, not a meaningful investigation. 

Additionally, I have experienced significant roadblocks trying to access my online credit report or file disputes. These include : Locked or inaccessible online portal, Error messages or re-routing when trying to initiate a dispute, No adequate response from customer service to correct access issues. These access barriers prevent me from exercising my federally protected rights to review and dispute inaccurate credit information. 

I have attempted to resolve this issue directly with the CRA, but the lack of transparency, failure to properly investigate, and technical/institutional barriers have left me with no choice but to escalate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
XXXX services a mortgage that I was a joint borrower with years ago. In a divorce settlement the property was awarded to the other party in a court of law. I am told by XXXX that the only way to remove me from this obligation and its reporting is to have the other person refinance. Unfortunately, that is not in my control. I can and will provide the final divorce declaration if that is what is necessary. I need to know what information is required and where to send it. That is all. I need this debt obligation removed from my name. It is not mine. I do not possess it or have any rights of ownership to it.

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