vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 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: AZ

Complaint narrative:
CFPB Complaint Summary ( Aggressive + Legally Focused ) I am filing this complaint because three accounts on my credit reports are being reported inaccurately, inconsistently, and without proper verification, in violation of the Fair Credit Reporting Act ( FCRA ). 

The accounts are : XXXX. XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX Collection Each of these accounts has conflicting dates, incorrect status codes, incomplete Metro-2 fields, and unverified information across XXXX XXXX  and TransUnion. The credit bureaus continue to verify these items without providing any proof or validating documentation, which violates FCRA 602, 607, 611, and 623.

I have submitted dispute letters, yet the bureaus failed to properly investigate or correct the errors. This inaccurate reporting is causing ongoing financial harm, including denial of credit, higher interest rates, and damage to my credit standing. 

I am requesting CFPB intervention to ensure : A full, lawful reinvestigation Furnishers provide actual documentation, not automated responses Deletion of any item that can not be verified with complete accuracy Attached are the dispute letters and supporting 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 2025-11-24 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:
I am a victim of identity theft, and several unauthorized accounts have been fraudulently reported under my name and Social Security Number. I did not open these accounts, authorize them, or receive any services or goods associated with them. These accounts have negatively impacted my credit profile and were reported without my knowledge or consent. 
I have already taken the following steps : Filed an Identity Theft Report with the FTC Contacted the credit bureaus to place a fraud alert and requested removal under FCRA 605B Despite submitting the necessary documentation, these fraudulent accounts remain on my credit report. 
Accounts in question ( you will fill this in ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed more than once as well XX/XX/XXXXXXXX ) different accounts I could not fit it on my FTC report. 
I am requesting that these accounts be permanently deleted from all of my credit reports. Additionally, I request that any data furnishers or consumer reporting agencies involved be investigated for their failure to properly verify the legitimacy of the accounts and for continuing to report known fraudulent data. 
This situation has caused me significant harm and distress, and I expect swift corrective action.

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 2025-11-24 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: SC

Complaint narrative:
I am a victim of identity theft, and several unauthorized accounts have been fraudulently reported under my name and Social Security Number. I did not open these accounts, authorize them, or receive any services or goods associated with them. These accounts have negatively impacted my credit profile and were reported without my knowledge or consent. 
I have already taken the following steps : Filed an Identity Theft Report with the FTC Contacted the credit bureaus to place a fraud alert and requested removal under FCRA 605B Despite submitting the necessary documentation, these fraudulent accounts remain on my credit report. 
Accounts in question ( you will fill this in ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed more than once as well XX/XX/XXXXXXXX ) different accounts I could not fit it on my FTC report. 
I am requesting that these accounts be permanently deleted from all of my credit reports. Additionally, I request that any data furnishers or consumer reporting agencies involved be investigated for their failure to properly verify the legitimacy of the accounts and for continuing to report known fraudulent data. 
This situation has caused me significant harm and distress, and I expect swift corrective action.

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 2025-11-23 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: AR

Complaint narrative:
I am filing a complaint regarding Goldman Sachs handling of a clearly unauthorized transaction on my Apple Card. The disputed charge occurred on XX/XX/year>, for {$680.00} at XXXX XXXX ( Case number : XXXX ). 

A criminal accessed my XXXX account without authorization and used my Apple Card to make a purchase. The item was picked up in Texas, but I live in Arkansas and have not been to Texas in years. I did not authorize this purchase, I did not place it, and I did not pick it up. 

Goldman Sachs denied my dispute twice because the merchant obtained a signature. However, the signature is not mine. The transaction occurred in a different state, and my XXXX account was compromised. Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), a merchant signature does not override my rights when I report a transaction as unauthorized. 

I immediately changed my XXXX password and reported the incident when I first received the charge alert. I can provide proof of my physical location in Arkansas at the time, documentation from XXXX showing account compromise, and confirmation that the pickup occurred in Texas. 

Goldman Sachs refusal to reverse this charge violates FCBA protections for unauthorized use. I am requesting CFPB assistance to require Goldman Sachs to properly classify this as account takeover fraud and remove the unauthorized {$680.00} charge. 

I will post screenshots that show the disputed transaction in Texas, another transaction that I did on another credit card that proves I was in Arkansas at XXXX XXXX with my family, and proof that I took action swiftly by changing my XXXX passcode.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-24 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:
GREETINGS I APPRECIATE YOUR ATTENTION TO THIS MATTER MY NAME IS XXXX XXXX XXXX I HAVE SOME UNFORTUNATE NEWS I HAVE BEEN NOTIFIED I AM A VICTIM OF THE XXXX  DATA BREACH WHICH HAS RESULTED IN THE THEFT OF MY IDENTITY I AM SEEKING GUIDANCE PLEASE. I SEEK THE ENFORCEMENT OF MY CONSUMER RIGHTS AS SPECIFIED IN FCRA SECTION 605B ( 15 U.S.C. 1681-c2 ). AS AN INDIVIDUAL IMPACTED BY IDENTITY THEFT, I AM ENTITLED TO REQUEST THE REMOVAL OF ANY FRAUDULENT INFORMATION FROM MY CREDIT REPORT THANK YOU. THIS REGULATION MANDATES THAT CREDIT. HERE ARE THE ITEMS I AM ASKING YOU TO VERIFY AS ACCURATE : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-23 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: CA

Complaint narrative:
The following reporting account is fraudulent, please remove now. Trans union reports XXXX opened XXXX with the following account number 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 non-monetary relief
Consumer complaint received 2025-11-23 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I am disputing the XXXX XXXX hard inquiry dated XX/XX/XXXX. I did not authorize this inquiry nor apply for credit with this company. Please remove it unless proof of my written authorization can be provided. 

XXXX. XXXX XXXX XX/XX/XXXX ( Entry # XXXX ) I am disputing the second XXXX XXXX hard inquiry dated XX/XX/XXXX. This was not authorized by me. Please remove this inquiry unless documentation shows I permitted it. 

XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX I am disputing the XXXX XXXX XXXX inquiry dated XX/XX/XXXX. I did not grant authorization for this inquiry. Please delete it unless valid proof of authorization exists. 

XXXX. XXXX XX/XX/XXXX I am disputing the XXXX XXXX hard inquiry dated XX/XX/XXXX. I never applied for credit with this company. Please investigate and remove the inquiry unless validated. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am disputing the XXXX XXXX XXXX inquiry dated XX/XX/XXXX. I did not authorize it. Please remove unless permissible-purpose documentation is provided. 

XXXX. XXXX XXXX  ( XXXX  ) XX/XX/XXXX I am disputing the XXXX XXXX  inquiry dated XX/XX/XXXX. I did not authorize or apply for credit with XXXX on this date. Please investigate and remove the inquiry if it can not be verified. 

XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I am disputing the inquiry dated XX/XX/XXXX. I did not authorize or apply for credit with XXXX on this date. Please investigate and remove the inquiry if it can not be verified. 

XXXX. GM FINANCIAL - XX/XX/XXXX I am disputing the inquiry dated XX/XX/XXXX. I did not authorize or apply for credit with XXXX on this date. Please investigate and remove the inquiry if it can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing TransUnion to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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 2025-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Autovest, L.L.C.
State: OR

Complaint narrative:
I am disputing Autovest LLC XXXX XXXX XXXX XXXX for reporting a debt they have not validated and may not legally own. I sent two written validation requests by certified mail requesting ( 1 ) the original contract, ( 2 ) the full accounting ledger, and ( 3 ) the chain of assignment proving ownership. No documents were provided. Despite failing to validate, Autovest continued to report the account to XXXX  with contradictory and inaccurate information, including paid 100 %, charge-off, sold to another lender, closed, and derogatory late-payment data at the same time. These codes are impossible together and violate FCRA accuracy and investigation requirements.

XXXX  shows completed investigation subscriber disagrees, but Autovest never conducted a real investigation or verified anything. This has caused confusion, credit score suppression, and ongoing financial harm.

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 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Commercial Credit Counseling Services Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX I signed a debt-restructuring agreement with a company called Corporate Turnaround, which drafts ACH payments using names such as CCCS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The program was for a single business loan with XXXX that had been sent to the law firm XXXX XXXX XXXX. 

Under the agreement, I was told there would be a one-time {$75.00} listing fee per creditor, and that no additional fees would be charged until they reached a settlement or new payment terms with the creditor. On XX/XX/XXXX, the company confirmed this again in writing, stating that only {$75.00} had been taken and that no other fees would be charged until there was a resolution with XXXX. No settlement or new payment terms were ever finalized or signed. 

Despite this, four ACH debits totaling {$3700.00} were taken from my business checking account : XX/XX/XXXX {$250.00} ( descriptor included CCCS ) XX/XX/XXXX {$1000.00} ( descriptor included CCCS ) XX/XX/XXXX {$1200.00} ( Debit to CCCS [ business name ] ) XX/XX/XXXX {$1200.00} ( same descriptor ) I later learned the company was treating these drafts as its own fees even though they had not achieved a settlement and had previously told me in writing that only {$75.00} would be charged. 

On XX/XX/XXXX I sent a written revocation of authorization and told them not to initiate any further ACH debits. I also notified the bank and filed an ACH dispute/fraud case, providing : the contract, the XXXX email confirming {$75.00} only, my revocation notice, and bank records of the four debits. 

The company is refusing to refund the {$3700.00} and is now threatening cancellation fees far in excess of the money taken. I believe the ACH debits were not authorized under the terms promised, violated my written revocation, and that the company misrepresented how and when it would charge fees.

I am requesting : ( 1 ) full reimbursement of the four ACH debits ; ( 2 ) a block on future debits from this originator and its ACH IDs ; and ( 3 ) that the company stop attempting to collect any cancellation fees based on these disputed charges.

Attached documents show : ( 1 ) screenshots of four ACH debits ; ( 2 ) a XXXX email from the company stating only a {$75.00} fee would be charged until a settlement, which never occurred ; ( XXXX ) my XX/XX/XXXX written revocation of ACH authorization ; ( XXXX ) the agreement they referenced. These support that the debits were unauthorized and taken after I revoked permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: SC

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing XXXX  to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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 2025-11-23 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:
Willful and ongoing FCRA violations, refusal to delete fraudulent bankruptcy and accounts resulting from identity theft, and continued disclosure of my nonpublic personal information in violation of GLBA 502. 
Amount of XXXX XXXX : Severe ( XXXX point credit score drop, repeated credit denials, higher interest rates, emotional distress, and ongoing collection harassment ). 
Relief Requested from CFPB : Order all three nationwide consumer reporting agencies to permanently delete within 10 calendar days the following fraudulent items : XX/XX/XXXX Bankruptcy CaseXX/XX/XXXXXXXX, filed XX/XX/XXXX, U.S. Bankruptcy Court, XXXXXX/XX/XXXX( XXXX ) All 14 associated tradelines listed below All three unauthorized hard inquiries listed below Impose maximum civil penalties for willful FCRA violations ( 15 U.S.C. 1681n ). 
Require written confirmation of deletion and corrected credit reports mailed to me within 15 days. 

Fraudulent Items That Must Be Deleted Immediately Bankruptcy XX/XX/XXXX XXXX, Filed XX/XX/XXXX, Case XX/XX/XXXXXXXX Court explicitly confirmed in writing ( XX/XX/XXXX letter attached ) that it does not transmit or initiate conveyance of data to credit reporting agencies. 

Fraudulent Tradelines ( 14 accounts XX/XX/XXXXLegal Violations Committed by All Three Bureaus FCRA 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy FCRA 1681i ( a ) ( 1 ) & ( a ) ( 5 ) Failure to conduct a reasonable reinvestigation and delete unverifiable information within 30 days ( multiple disputes ignored ) FCRA 1681c-2 ( 605B ) Failure to block identity-theft information within 4 business days upon receipt of identity theft evidence GLBA 502 ( 15 U.S.C. 6802 ) Continued disclosure of my nonpublic personal information ( the entire fraudulent bankruptcy and tradelines ) without my consent Willful noncompliance Despite receiving the courts official letter proving the bankruptcy is unverifiable, the bureaus continue to report and sell this false data. 

Supporting Documents Already Sent to Bureaus ( attached again here ) XX/XX/XXXX official letter from U.S. Bankruptcy Court ( signed by Operations XXXX XXXX XXXX ) Drivers license & utility bill I am a victim of identity theft. The bureaus have had ample notice and irrefutable proof for months and have deliberately refused to delete these items. Their ongoing conduct is causing me daily harm. 
I respectfully request that the CFPB immediately open an investigation, issue supervisory orders for deletion, and impose the maximum penalties allowed for these willful violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: FL

Complaint narrative:
Willful and ongoing FCRA violations, refusal to delete fraudulent bankruptcy and accounts resulting from identity theft, and continued disclosure of my nonpublic personal information in violation of GLBA 502. 
Amount of XXXX XXXX : Severe ( XXXX point credit score drop, repeated credit denials, higher interest rates, emotional distress, and ongoing collection harassment ). 
Relief Requested from CFPB : Order all three nationwide consumer reporting agencies to permanently delete within 10 calendar days the following fraudulent items : XX/XX/XXXX Bankruptcy CaseXX/XX/XXXXXXXX, filed XX/XX/XXXX, U.S. Bankruptcy Court, XXXXXX/XX/XXXX( XXXX ) All 14 associated tradelines listed below All three unauthorized hard inquiries listed below Impose maximum civil penalties for willful FCRA violations ( 15 U.S.C. 1681n ). 
Require written confirmation of deletion and corrected credit reports mailed to me within 15 days. 

Fraudulent Items That Must Be Deleted Immediately Bankruptcy XX/XX/XXXX XXXX, Filed XX/XX/XXXX, Case XX/XX/XXXXXXXX Court explicitly confirmed in writing ( XX/XX/XXXX letter attached ) that it does not transmit or initiate conveyance of data to credit reporting agencies. 

Fraudulent Tradelines ( 14 accounts XX/XX/XXXXLegal Violations Committed by All Three Bureaus FCRA 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy FCRA 1681i ( a ) ( 1 ) & ( a ) ( 5 ) Failure to conduct a reasonable reinvestigation and delete unverifiable information within 30 days ( multiple disputes ignored ) FCRA 1681c-2 ( 605B ) Failure to block identity-theft information within 4 business days upon receipt of identity theft evidence GLBA 502 ( 15 U.S.C. 6802 ) Continued disclosure of my nonpublic personal information ( the entire fraudulent bankruptcy and tradelines ) without my consent Willful noncompliance Despite receiving the courts official letter proving the bankruptcy is unverifiable, the bureaus continue to report and sell this false data. 

Supporting Documents Already Sent to Bureaus ( attached again here ) XX/XX/XXXX official letter from U.S. Bankruptcy Court ( signed by Operations XXXX XXXX XXXX ) Drivers license & utility bill I am a victim of identity theft. The bureaus have had ample notice and irrefutable proof for months and have deliberately refused to delete these items. Their ongoing conduct is causing me daily harm. 
I respectfully request that the CFPB immediately open an investigation, issue supervisory orders for deletion, and impose the maximum penalties allowed for these willful violations.

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 2025-11-23 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: NJ

Complaint narrative:
I recently looked at my credit report and saw fraudulent reports and I would like for you to delete all of them.

Company response to consumer: Closed with non-monetary relief