vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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:
I purchased a XXXX for {$300.00} from XXXX for a massage being provided by XXXX XXXX XXXX. The day of purchase was XX/XX/year>, XXXX charged my account for {$300.00} two separate times. Since this was a birthday gift I asked for 1 of these charges to go through. XXXX decided to reinitialize the charges for both transactions leaving 2 separate charges of {$300.00} but my Apple Goldman Sachs dispute team are denying my duplicate charge dispute. 

Furthermore, after leaving XXXX voicemails on the number ( XXXX ) XXXX, the number XXXX stated had to be called to book service, I found out XXXX XXXX XXXX closed all of their XXXX  locations in XXXX of XXXX. The service I purchased was never provided to me, I never received a phone call back to book any service. Even though I've provided the company 's own announcement Apple Goldman Sachs disputes team still won't remove the charge. 

XXXX originally refused my refund request and offered credit but I found a provision within their Terms of Service that claims if services can't be provided then a full and immediate refund is required yet neither they nor my bank are refunding me these charges. XXXX have deleted my account with them as retaliation for my disputes so I don't have access to the original transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-20 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Original ATM card expired at end of XX/XX/year> Replacement card was requested and sent to my home address Card was stolen from my home mailbox before I received it Unauthorized person obtained the card Card was illegally activated without my knowledge/consent via phone number spoofing to automated bank activation system Unauthorized purchases were made using the stolen card I discovered the fraud and filed a claim with your bank Bank denied the fraud claim since the card was activated using a spoofing tool to the bank activation phone service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: VA

Complaint narrative:
On XX/XX/year>, I deposited a check for {$1800.00} using PNCs mobile deposit. The deposit was shown as posted to my account with no hold disclosure and appeared on my bank statement as available activity. 

PNC is required under XXXX XXXX to provide a timely hold notice at the time of deposit or by the next business day. No hold notice was provided on the XXXX or the XXXX. 

The next business day, my available balance dropped to {$0.00} without explanation. When I contacted PNC, I received contradictory and inaccurate information, including statements that the deposit posted because of the date, that it was not a balance error, and that a hold notice was mailed on XX/XX/XXXX, which was a XXXX. 

Only after I questioned the missing funds did a delayed-availability notice suddenly appear in my online documents with a date of XX/XX/XXXX. This appears to be a retroactive hold notice created after my inquiry, which does not comply with XXXX XXXX  requirements. 

PNC opened an audit/investigation case and instructed me to wait XXXX hours. However, the check was returned the very next day, before the banks investigation was completed. I then received a callback, but when I returned the call and requested to speak with the appropriate department, the escalation call was disconnected. Subsequent attempts resulted in further delays and redirection. 

PNC also stated that a legal copy of the check had been provided to me, which is incorrect. I never received one. 

My issue is not the return reason. My issue is PNCs mishandling, the delayed or retroactive hold notice, misleading information, failure to escalate properly, and returning the check before completing the review they initiated. These actions caused financial harm and created an inaccurate account history. 

PNCs internal case number for this issue is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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 disputing the following accounts that are being reported as charged off or otherwise inaccurate on my Equifax credit report. I am requesting verification and validation of all accounts per FCRA requirements. Several of these appear to be duplicate or outdated student loan entries from the Department of EducationXXXX XXXX 

Accounts in dispute : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} DEPTED/XXXX  ( multiple accounts below, possibly duplicates ) : # XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX, {$0.00} XXXX  XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} Please also review and validate any related inquiries or updates to ensure compliance with FCRA and Fair Credit Billing Act ( FCBA ) guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I submitted my complaint information from CFPB from the Experian to get them removed the negative collection on my report and even though the information the collect clearly states I owe nothing to them they still would not removed it from my record. This has cause me not to be able to be worthy of credit on certain level and high interest rates and want it to investigate

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 2025-11-20 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: FL

Complaint narrative:
I am filing this complaint because Experian is reporting an inaccurate, unverifiable, and time-barred collection account under the name XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX  XXXX 
I disputed this account with Experian and also requested validation directly from XXXX. They failed to provide proper validation under 15 USC 1692g. They did NOT provide : A signed agreement Proof of ownership Chain of assignment from XXXX Federal Itemization of the balance Any original documentation proving accuracy or enforceability Instead, they sent only : An old XXXX XXXX statement An internal account summary they created themselves This is not valid proof under federal law. 
They also admitted in writing that the debt is time-barred and they can not sue me for it. Time-barred debts require special handling, and reporting them without proper verification is misleading and violates CFPB Regulation F.

Despite this, Experian marked the dispute as meets FCRA requirements, even though the furnisher could not validate anything.

Experians actions violate : FCRA 1681e ( b ) reporting without ensuring accuracy FCRA 1681i failure to conduct a reasonable reinvestigation FDCPA 1692g ( b ) failure to validate CFPB Regulation F mishandling a time-barred debt I am requesting CFPB assistance because the information is unverified, inaccurate, and legally unenforceable, yet Experian continues to report 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 explanation
Consumer complaint received 2025-11-20 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: MO

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-20 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: TX

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have a loan with XXXX  I asked them for loan modifications from XX/XX/year> so it should not be late none at all due to my XXXX  of XXXX and they agreed like always. For reasons Experian always putting negative reviews on reports I do have prove of my extension.

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 2025-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
On XX/XX/year>, I took out a debt consolidation installment loan with OneMain Financial. As part of the loan agreement, OneMain was responsible for sending payoff payments to the creditors listed in the consolidation. OneMain successfully paid most accounts, but one credit card payoff has still not been completed, despite being included in the loan.

The original payoff amount for this credit card was approximately {$2000.00}, but the balance has since increased due to interest continuing to accrue while OneMain failed to send the payment.

I have called OneMain every week for months, sometimes multiple times a week, and every time I am told, Were working on it. There has been no resolution, no proof of payment attempts, and no timeline provided.

I have made every loan payment to OneMain on time, so I have upheld my part of the agreement. Their failure to send the payoff has caused the unpaid credit card to continue accruing interest at around 30 % APR, which is causing ongoing financial harm and increasing the balance through no fault of my own.

I have asked OneMain for written confirmation, escalation, and a formal update, but they have not provided any concrete information or action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I am disputing several accounts being reported as charged off on my Equifax credit report. I am requesting a full investigation under the Fair Credit Reporting Act ( FCRA 611 ) to verify the accuracy, ownership, and completeness of each of the following accounts.

These accounts are reporting inaccurate, incomplete, or unverifiable information, and should be deleted if the furnisher can not provide full validation : XXXX XXXX, Acct XXXX  XXXX XXXXXXXX Reported Charged Off XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX Reported Charged Off ( XX/XX/XXXXXXXX XXXX XXXX XXXX Acct # : XXXX Reported Charged Off ( XX/XX/XXXXXXXX XXXX XXXX XXXX, Acct XXXX XXXX XXXX Reported Charged Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported Charged Off ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported Charged Off ( XX/XX/XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX Reported Charged Off ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported Charged Off ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported Charged Off ( XX/XX/XXXX ) Additionally, I request that Equifax verify that all inquiries and late payments are accurate and properly authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am filing this complaint because one or more accounts on my credit reports are being reported with material inaccuracies and inconsistencies across the three major credit reporting agencies. The main account ( s ) in dispute are : Account Name : XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX  XXXX, Account Number : XXXX After carefully reviewing my credit reports from all three bureaus, I identified clear discrepancies in how this account is being reported ( balance, dates, status, payment history, and/or other critical fields ). The information is not the same across all three reports and, in some cases, appears incomplete or conflicting. I have attached copies highlighting these differences. 
As a consumer, I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to a report that is accurate, complete, and verifiable. Sections 607 ( b ) and 611 ( a ) ( 15 U.S.C. 1681e ( b ) and 1681i ) require the credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy and to conduct a meaningful reinvestigation when I dispute an item. Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) prohibits furnishers from reporting information they know or should know is inaccurate.

I have already disputed this account directly with the credit bureau and provided documentation showing the inconsistencies. However, the bureau appears to have relied on automated verification rather than obtaining and reviewing the original, underlying documentation from the furnisher. The reporting remains inconsistent and, in my view, not fully verified as required by law.

Because of this, my credit file does not reflect a fair and accurate picture of my credit history. This can affect my ability to obtain credit on fair terms, may increase my cost of borrowing, and creates unnecessary risk and confusion for any lender who reviews my report.

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 2025-11-20 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:
b'Dear: CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, XXXX XXXX XXXX XXXX/DOFED, XXXX/DOFED, XXXXDOFED, XXXX/DOFED, XXXX/DOFED, XXXX XXXX  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerelyXXXX XXXX XXXX XXXX XXXX XXXX Tx. 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 non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation