vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/XXXX Marcus ( Goldman Sachs ) requested i call them. Due to various previous issues I prefer now to contact them via chat ( or email, ) so I can have a record. 

They refused to discuss via chat. 

They were unable or unwilling to provide a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the XXXX  data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-10-14 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: GA

Complaint narrative:
I had a vehicle financed through XXXX XXXX that was later declared a total loss. I fully settled the account per the companys agreed amount, and the account was closed. Despite this, XXXX XXXX continues to report the account inaccurately as a charge-off/derogatory instead of settled and closed in good standing. 

I have contacted the company multiple times and submitted disputes through the credit bureaus, but the inaccurate status remains. This violates my rights under the Fair Credit Reporting Act ( FCRA ) sections 611 ( 15 USC 1681i ) and 623 ( a ) ( 2 ) ( 15 USC 1681s-2 ), which require furnishers to investigate and correct inaccurate or incomplete information.

Im requesting CFPBs assistance to ensure the account is properly updated or removed as required under 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 non-monetary relief
Consumer complaint received 2025-10-14 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: IL

Complaint narrative:
I am submitting this complaint regarding several inaccurate and unfair negative items appearing on my Experian credit report. I have already disputed these items directly with Experian and the data furnishers, but they were returned as verified or correct without providing any supporting documentation or proof of verification. This failure to conduct a reasonable investigation and validate the accuracy of the reported information violates the Fair Credit Reporting Act ( FCRA ). 
The accounts in question are listed below : XXXX XXXX XXXX Account No. XXXX Status : Charged off/ written off. I have not received proper validation or verification of this debt. I request immediate deletion due to lack of verification under FCRA 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), which require credit reporting agencies and furnishers to provide verified, accurate information. 
XXXX / XXXX Account No. XXXX Status : Closed with past-due history. This account was paid and closed in good standing. The late payment reported is inaccurate and should be corrected to show Paid / Never Late or be removed immediately in accordance with FCRA 607 ( b ) ( accuracy and integrity of furnished data ). 
XXXX XXXX XXXX  Account No. XXXX Status : Closed, reported past due. This loan was in deferment, not delinquent, when marked late. I request this account be corrected to Deferred / Never Late or immediately deleted. The reporting of a deferred account as late violates FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ) ( duty to investigate and correct inaccurate data ). 
XXXX XXXX XXXX Account No. XXXX Status : Open auto loan with one 30-day late payment. I am not disputing the account itself but request immediate removal of the inaccurately reported late payment. Credit furnishers are obligated under FCRA 623 ( a ) and 611 ( a ) ( 1 ) to ensure all information is fully verified and accurate before 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 2025-10-14 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 -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-14 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: MD

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
Had a six year car loan, which would have been paid off this month, XX/XX/XXXX. During XXXX a XXXX month extension for XXXX relief was extended to us to delay payments for four months which would be tacked on to the end of the car loan, which would make the car to be paid off XX/XX/XXXX. The overall ending balance is higher than just being paid off in XXXX as it should be. With a XXXX month extension added onto XXXX it should only make sense it be paid off in XXXX as originally advised by ally financial but the company is saying now that it wont be paid off till XX/XX/XXXX based on the ending balance. All payments are completely up-to-date and anything that was late was paid with even advancements in future payments. Anyone that I have spoken to at Ally financial says it does not make sense and that the four month extension didnt come with any hidden fees or rates, but all they do is keep transferring me to other people which would only lead me to believe that the ending balance was increased for their own profit. Ive never once had a car loan that wasnt paid off within the terms of the loan. I have also spoken with other dealerships that said my situation makes no sense. I am asking for an investigation to be done in regards to this car loan that should be paid off in XX/XX/XXXX with that four month extension that was offered during XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Through this CFPB complaint, I am exercising my rights under the FDCPA and the FCRA. I have attached my formal validation request letter directed to Portfolio Recovery Associates. This letter demands production of the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. These are the documents necessary to validate any alleged debt under federal law. 
The CFPB platform provides accountability and assurance that my request is properly forwarded and that Portfolio Recovery Associates is required to respond. 
In addition, I request specific data to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA : a. ) The Date of First Delinquency ; b. ) The date the account was charged off ; and c. ) The date the account was acquired by or assigned to Portfolio Recovery Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: NC

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
ACCOUNTS : 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 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 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 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 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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: MI

Complaint narrative:
RADIUSGLOBAL is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUSGLOBAL is a debt collector. Account number is XXXX and is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I am writing to formally request that the Consumer Financial Protection Bureau investigate the handling of my federal student loans, particularly as they relate to the implementation of relief under the XXXX v. XXXX class action settlement. I am a confirmed class member in XXXX v. XXXX, a case resolved by settlement on XX/XX/year>, providing for discharge of loans associated with borrower defense claims against certain institutions. Despite this legal resolution, my loans have not yet been discharged, and I continue to suffer financial and emotional harm. I have contacted the Department of Educations Student Loan Ombudsman three times over the past year, and have yet to receive any meaningful response or resolution. This failure of responsiveness may constitute a violation of the Departments obligations under the Higher Education Act ( HEA ), 20 U.S.C. 1087e ( h ), which requires the Department to respond in a timely and appropriate manner to complaints regarding federal student loans. Further, under the Dodd-Frank Wall Street Reform and Consumer Protection Act, 12 U.S.C. 5531 ( c ), the CFPB has authority to take action against " unfair, deceptive, or abusive acts or practices '' ( UDAAPs ) by loan servicers. The ongoing failure to implement the XXXX v. XXXX settlement in a timely and transparent waydespite clear legal mandatesmay meet the standard for UDAAP violations. I urge the CFPB to investigate whether student loan servicers and/or the Department of Education have engaged in improper delays, miscommunications, or neglect in processing loan discharges under this class action. The lack of accountability and transparency undermines borrower protections and the integrity of the borrower defense program. Thank you for your attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute certain inaccurate information reported on my credit file regarding the above-referenced loan account. 
Upon reviewing the information, I have identified several inconsistencies that require immediate correction : XXXX. Account Closure Date vs. Last Payment Date : The account is reported as closed on XX/XX/XXXX, yet the last payment date is recorded as XX/XX/XXXX, which is after the closure date. This discrepancy is illogical and must be corrected. 
XXXX. Balance and Charge-Off Status : The account balance is reported as {$15000.00}, with remarks indicating a profit and loss write-off and a charge-off status. Typically, a charge-off or write-off should reflect a zero or adjusted balance. The current balance appears inconsistent with these remarks. 
XXXX. Missing Monthly Payment Information : The monthly payment amount is listed as No Info, which is unusual and inaccurate for a loan account of this nature. 
XXXX. Confusing Dispute Status : The report states Dispute resolvedsubscriber disagrees twice, without clarity on the resolution outcome. I request clarification on this matter. 
XXXX. Payment History Inconsistencies : The payment history shows multiple warnings across months, yet the times reported as XXXX days late ( XXXX ) seem inconsistent with the derogatory and charge-off statuses reported. 
Please investigate these discrepancies and provide me with an updated, accurate statement of my account. Additionally, please notify the credit reporting agencies of any corrections you make. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I request a prompt resolution of this dispute. 
Thank you for your prompt attention to this matter.

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 2025-10-14 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: FL

Complaint narrative:
I am writing to formally dispute certain inaccurate information reported on my credit file regarding the above-referenced loan account. 
Upon reviewing the information, I have identified several inconsistencies that require immediate correction : XXXX. Account Closure Date vs. Last Payment Date : The account is reported as closed on XX/XX/XXXX, yet the last payment date is recorded as XX/XX/XXXX, which is after the closure date. This discrepancy is illogical and must be corrected. 
XXXX. Balance and Charge-Off Status : The account balance is reported as {$15000.00}, with remarks indicating a profit and loss write-off and a charge-off status. Typically, a charge-off or write-off should reflect a zero or adjusted balance. The current balance appears inconsistent with these remarks. 
XXXX. Missing Monthly Payment Information : The monthly payment amount is listed as No Info, which is unusual and inaccurate for a loan account of this nature. 
XXXX. Confusing Dispute Status : The report states Dispute resolvedsubscriber disagrees twice, without clarity on the resolution outcome. I request clarification on this matter. 
XXXX. Payment History Inconsistencies : The payment history shows multiple warnings across months, yet the times reported as XXXX days late ( XXXX ) seem inconsistent with the derogatory and charge-off statuses reported. 
Please investigate these discrepancies and provide me with an updated, accurate statement of my account. Additionally, please notify the credit reporting agencies of any corrections you make. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I request a prompt resolution of this dispute. 
Thank you for your prompt attention to this matter.

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