vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 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: WA

Complaint narrative:
Background issue : I was charged ( XX/XX/XXXX ) on my XXXX XXXX XXXX for a subscription service for a service that had been closed and deleted. It was a simple error of the service billing for an account that no longer existed. Refund is due. 

Apple Card / Goldman Sachs issue : I submitted the dispute letter and documentation in accordance with their dispute directions on XX/XX/XXXX. By XX/XX/XXXX, I still hadn't heard anything back nor received a provisional credit. I contacted Apple Card support who stated they had not processed the dispute. I uploaded the letter I had sent a month ago to the chat agent. She could not explain why they had not actioned the letter that was sent a month prior. 

Required resolution : In accordance with Fair Credit Billing Act ( FCBA ), Goldman Sachs is required to refund the amount detailed in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against Experian Information Solutions , Inc. for failing to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) 611 regarding my credit dispute. 



On XX/XX/year> I mailed a dispute package to Experian, which included : A copy of my Social Security card A copy of my government-issued identification Documentation supporting my dispute Despite providing complete and valid identification, I received an email from Experian ( attached ) claiming they could not process my request because it did not appear to come directly from me or be authorized by me. This excuse is false and constitutes a deliberate stall tactic. 

This conduct is also a clear indication of negligence by Experian, as they are disregarding properly submitted documentation and failing to carry out their legal duty to reinvestigate disputed information. Their inaction violates my rights under the FCRA and undermines the integrity of the dispute process. 



Requested Relief : Require Experian to immediately begin the reinvestigation of my dispute. 

Require Experian to provide written confirmation that the investigation is being conducted in compliance with the FCRA. 

Hold Experian accountable for using stall tactics and for their negligence in handling properly submitted disputes. 



Please find attached : A copy of Experians stall email A copy of my original mailed dispute package ( with ID and Social Security documentation ) Thank you for your prompt attention to this matter. 



Sincerely, 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 2025-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I received a copy of my free annual credit report and there was accounts that wasnt mine so I contacted the police department and filed a complaint because it stopping me for getting a home for me and my family

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 2025-09-01 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: AL

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: BARCLAYS BANK DELAWARE
State: IA

Complaint narrative:
On XX/XX/XXXX, I got a notification from XXXX XXXX that a new card was added to my account from Barclays. I never consented to this nor applied for a card through them. When I clicked on the notification and it took me to XXXX XXXX, I noticed that my credit score had dropped XXXX points. They illegally accessed my credit information without my permission and did a hard inquiry ; resulting in my credit scores being dropped by XXXX points. After calling them multiple times, they claimed I was added as an authorized user on my step-dads card. He never added me, and I am over XXXX and did not 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 2025-09-01 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: TX

Complaint narrative:
I am formally disputing inaccurate late payment entries that appear on my credit report. Over 30 days ago, I sent validation requests to the creditors regarding these disputed items, but they have failed to respond or provide adequate documentation to substantiate these negative marks. Under the Fair Credit Reporting Act, creditors are required to verify the accuracy of reported information when properly challenged by consumers. Their failure to validate these entries within the required timeframe raises serious questions about the legitimacy of these reported late payments.

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing inaccurate late payment entries that appear on my credit report. Over 30 days ago, I sent validation requests to the creditors regarding these disputed items, but they have failed to respond or provide adequate documentation to substantiate these negative marks. Under the Fair Credit Reporting Act, creditors are required to verify the accuracy of reported information when properly challenged by consumers. Their failure to validate these entries within the required timeframe raises serious questions about the legitimacy of these reported late payments.

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 2025-09-01 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: AZ

Complaint narrative:
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 on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding XXXX handling of my credit card account. 

XXXX closed my account without proper notice or explanation of new terms. This closure directly caused me to miss payments, as I was unaware of the changes and was not given a fair opportunity to bring the account current. Despite my attempts to contact XXXX, they began reporting late payments to the credit bureaus. 

Recently, I contacted XXXX to request a settlement and offered to pay the balance in exchange for deletion of negative reporting. XXXX agreed to accept settlement payments but refused to agree to deletion of negative remarks, stating they would only report the account as Paid Settlement/ {$0.00} balance. 

This outcome is unfair and damaging, as the negative reporting continues to penalize me despite my good faith effort to resolve the account. Additionally, the missed payments originated from XXXX decision to close my account without proper notice.

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 2025-09-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The XXXX  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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the XXXX, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the XXXX XXXX tradeline appearing on my TransUnion, XXXX  and XXXX  credit report. I submitted my initial dispute by certified mail and via online portal on XX/XX/XXXX, and as of todays date, more than 30 days have elapsed without any written results of their investigation. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), they are legally required to complete a reasonable reinvestigation of any item I dispute and to provide me with a written notice of the outcome within 30 days of receipt of my dispute. It says the account was opened on XX/XX/XXXX with a balance of XXXX. 

I have disputes via online portal and mail to no avail and requested the following on XXXX XXXX : Provide me with a complete, written statement of the results of your reinvestigation, including all documentation or evidence relied upon to verify this tradeline. 
If you can not validate the accuracy of the {$2900.00} balance or the underlying account ownership, delete the tradeline from my credit file in its entirety, as required by 15 U.S.C. 1681i ( a ) ( 5 ).

Provide me with written confirmation of the above actions within five ( 5 ) business days of receipt of this letter.

The company has yet to contact me or send any 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 non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the XXXXXXXX XXXX  tradeline appearing on my XXXX, XXXX and Equifax credit report. I submitted my initial dispute by certified mail and via online portal on XX/XX/XXXX, and as of todays date, more than 30 days have elapsed without any written results of their investigation. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), they are legally required to complete a reasonable reinvestigation of any item I dispute and to provide me with a written notice of the outcome within 30 days of receipt of my dispute. It says the account was opened on XX/XX/XXXX with a balance of XXXX. 

I have disputes via online portal and mail to no avail and requested the following on XXXX XXXX : Provide me with a complete, written statement of the results of your reinvestigation, including all documentation or evidence relied upon to verify this tradeline. 
If you can not validate the accuracy of the {$2900.00} balance or the underlying account ownership, delete the tradeline from my credit file in its entirety, as required by 15 U.S.C. 1681i ( a ) ( 5 ).

Provide me with written confirmation of the above actions within five ( 5 ) business days of receipt of this letter. 

The company has yet to contact me or send any information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally dispute the XXXXXXXX XXXX tradeline appearing on my XXXX, Experian and XXXX  credit report. I submitted my initial dispute by certified mail and via online portal on XX/XX/XXXX, and as of todays date, more than 30 days have elapsed without any written results of their investigation. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), they are legally required to complete a reasonable reinvestigation of any item I dispute and to provide me with a written notice of the outcome within 30 days of receipt of my dispute. It says the account was opened on XX/XX/XXXX with a balance of XXXX. 

I have disputes via online portal and mail to no avail and requested the following on XXXX XXXX : Provide me with a complete, written statement of the results of your reinvestigation, including all documentation or evidence relied upon to verify this tradeline. 
If you can not validate the accuracy of the {$2900.00} balance or the underlying account ownership, delete the tradeline from my credit file in its entirety, as required by 15 U.S.C. 1681i ( a ) ( 5 ).

Provide me with written confirmation of the above actions within five ( 5 ) business days of receipt of this letter. 

The company has yet to contact me or send any 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