vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: OH

Complaint narrative:
On XX/XX/scrub> 2023, I made a purchase of {$540.00} with XXXX for a used XXXX XXXX XXXX XXXX. As it turns out, the phone I received was reported stolen and thus not only stolen merchandise, but unable to be activated or used. When the device arrived, I attempted to contact XXXX to get the device repaired as the back was shattered, and the device was advertised as including XXXX coverage. At this point, I was informed that the device was reported stolen. I have since verified that the XXXX  XXXX, as run on the XXXX XXXX XXXX XXXX has been flagged and reported as stolen. I then reached out to XXXX to initiate a return. The return was approved, and the app said that it must be shipped by XX/XX/year>2023. When I went to ship the device on XX/XX/year>2023, I was informed by the app that the return had been cancelled because the device was not shipped. After inquiring to XXXX as to the reason for this, they claimed that the phone needed to be shipped by XX/XX/year>2023, only 3 days after the return was approved. My inquiries as to why the app told me to ship by XX/XX/year>2023 have continued to go unaddressed and unanswered. Additionally, XXXX 's policy is that stolen merchandise has a longer return window. My references to this policy have also been ignored. It is important to note here that I was willing to return the merchandise, but not allowed to despite being within the stated window. I have filed a dispute with my credit card provider, Goldman Sachs ( Apple Card ) and have reasserted the dispute several times since they have failed to accurate review and assess the evidence that I have provided. They continue to cite the reason that they are siding with the merchant as " Item has not been returned '' but that is the very issue of the dispute to begin with. At no point have I been offered the opportunity to return since the initial issue with the return window either by XXXX or Goldman Sachs. At this point, Goldman Sachs is facilitating the sale of stolen merchandise and not backing their customers. A simple google search for " Apple Card '' and " Dispute '' or " CFPB '' will reveal that many people have a similar issue. I also saw that the CFPB has recently ruled against Goldman Sachs for inadequately handling customer disputes. I believe to have been affected by this since they repeatedly claimed that they did not receive my evidence despite sending it in reply to their email as requested, and via the customer support text chat.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-01 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: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
dispute an unauthorized hard credit inquiry made by Ally Financial on XX/XX/year>. I did not apply for an auto loan, did not sign any application or consent form, and have never had any account or relationship with Ally Financial. Therefore, no valid authorization exists for this inquiry. Under the Uniform Commercial Code, a signature ( or authorization ) made without actual authority is an unauthorized signature. UCC 3-403 ( a ) provides that an unauthorized signature is ineffective. By analogy, any purported credit inquiry lacking my actual consent is equally invalid. 
Furthermore, this credit inquiry lacks any permissible purpose under federal law. The Fair Credit Reporting Act ( FCRA ) at 15 USC 1681b ( a ) only allows a consumer report to be furnished under specific conditions. These include written instructions from the consumer or a credit transaction initiated by the consumer. I provided no written instructions to Ally and did not initiate any transaction or request. As such, Ally Financial had no lawful reason to obtain my credit report. Any credit inquiry absent a permissible purpose violates FCRA 604 ( 15 U.S.C. 1681b ). 
Because I have disputed the accuracy and authorization of this inquiry, FCRA mandates its deletion. Under 15 USC 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency must reinvestigate and delete any item disputed as inaccurate or unauthorized. Moreover, 15 USC 1681s-2 ( a ) ( 1 ) ( E ) requires furnishers, upon determining that disputed information is inaccurate or unverifiable, to promptly modify or delete that information. In this case, the inquiry is unverified and unsupported by any signed contract. I hereby demand that Ally Financial immediately instruct all credit bureaus to remove ( delete with prejudice ) the XX/XX/year> hard inquiry from my credit files. 
The presence of this unauthorized inquiry has harmed me financially. It has negatively impacted my credit score and has already impeded my ability to obtain mortgage financing. Under 15 USC 1681n, willful noncompliance with FCRA can result in liability for actual and statutory damages ( between {$100.00} and {$1000.00} ) as well as punitive damages and attorneys fees. I request that Ally Financial acknowledge the credit harm caused by this unauthorized inquiry and provide appropriate compensation & correction. 
Please provide written confirmation that the inquiry has been removed from all of my credit reports. I demand that this dispute be treated seriously ; failure to comply will result in seeking help from regulatory authorities. I expressly reserve all rights and remedies under federal and state consumer protection laws ( including FCRA, UCC, and related statutes ) and will pursue every available legal remedy if this matter is not resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Starmark Financial LLC
State: TX

Complaint narrative:
Starmark Financial placed a collection account on my credit report without validating the debt. I never received a proper debt validation notice, nor was I given the opportunity to dispute it before it was reported. They ignored my requests for proof of the original account and failed to provide itemized statements or chain of custody. 

Resolution Sought : I request immediate removal of the account from my credit report, formal validation of the alleged debt, and a written explanation of how it was assigned. I also seek compensation for credit damage and distress caused by the improper 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 2025-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against Nelnet, XXXX, XXXX, and XXXX  for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 


* * * Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
The FTC regarding a data breach in my personal information on Equifax. I have had several fraudulent accounts impede my credit report at the cause of this data breach. XXXX Reported : XXXX. XXXX, XXXX {$6400.00}, XXXX Reported : XXXX XXXX, XXXX {$11000.00}, credit acceptance Reported : XXXX XXXX, XXXX {$10000.00}, XXXX XXXX Reported : XXXX XXXX, XXXX {$2600.00}, XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$8100.00}, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$1200.00}

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 2025-05-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # : XXXX XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXXccount # : XXXX XXXX  Account # : XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXX XXXX XXXXXX/XX/year> XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

XXXX. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was never informed that my Macys/Citibank credit account ( ending in 2098 ) had gone into delinquency until I saw the impact on my credit report. Every time I contacted customer service, I was told a letter I have to wait for the letter, according to them it was s

ent three times but I never received either one. Despite this, I was denied
basic account information ( including balance and payment status ) and was told I could not close the account even if I were to make a payment. According to them I can make any payment towards a balance I did not know the exact amount of and they couldnt provided according to the supervisor XXXX XXXX number XXXX If the letter was important enough to prevent me from closing my account or accessing balance details, it should have been sent by certified mail with delivery confirmation. Since there is no proof I ever received it, its unfair and inappropriate to penalize me or block access based on that claim. 

This issue has now resulted in a 30 day late mark affecting my credit by XXXX points, without sufficient communication, documentation, or proper notification on the part of the creditor

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 2025-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR

Complaint narrative:
b'I never live at said addresses honestly cant even afford them reported fraud and requested fraud paperwork'

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 2025-05-01 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: NY

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 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aargon Agency, Inc.
State: NJ

Complaint narrative:
I got an email from XXXX XXXX yesterday saying something went into collections and I see a company named AARGON AGENCY INC who claim to be part of XXXX. I have gotten no bills or anything saying I owe anything. The bill says XXXX dollars. I feel these are scammers that are ruining my credit. I have put in a dispute with XXXX XXXX and 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 2025-05-01 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.

Complaint narrative:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN 4 DAYS ACCORDING TO 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
Consumer complaint received 2025-05-01 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.

Complaint narrative:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN 4 DAYS ACCORDING TO 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
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the 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 2025-05-01 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I seek your assistance in investigating accounts that have been wrongly reported with late payments. I carefully reviewed my credit report and found some accounts showing incorrect late payment entries. These accounts should not have any late payment remarks. Kindly remove the late notations and update the accounts as paid and positive.

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 2025-05-01 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: PA

Complaint narrative:
I seek your assistance in investigating accounts that have been wrongly reported with late payments. I carefully reviewed my credit report and found some accounts showing incorrect late payment entries. These accounts should not have any late payment remarks. Kindly remove the late notations and update the accounts as paid and positive.

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 2025-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
My vehicle was repossessed due to two past due payments my finance company is TD auto finance I paid {$2500.00} to get my vehicle back and have made payments as scheduled on XXXX XXXX XXXX  on my credit report it says redeemed repossession which is damaging my credit report also preventing me from getting a cheaper and more reliable vehicle my vehicle was also damaged during the towing and the finance company refuses to hold the tow company liable on damages amounting in {$1900.00} I just want the remarks removed form my report

Company response to consumer: Closed with explanation