vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
We are co-owners of an Apple Card account issued by Goldman Sachs Bank USA. After having our Apple Card numbers changed for security purposes, we discovered that multiple merchants continued to receive our new card numbers and charged our account without our knowledge or consent. 

We investigated and learned this is being done through Mastercards Automatic Billing Updater XXXX XXXX XXXX XXXX, which automatically provides new card details to vendors who have stored our old cards.

We never consented to this. We believe this violates our right to control how our payment credentials are shared and undermines our effort to terminate vendor billing relationships. We submitted a formal opt-out letter to Goldman Sachs XXXX XX/XX/year>, requesting to be removed from the XXXXXXXX XXXX  and that our new card data not be shared going forward. 

As of today, we have not received written confirmation, and merchants are still able to charge the new numbers. This raises serious concerns over privacy, unauthorized billing, and network data-sharing policies.

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: MI

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I am filing this as a second complaint against Bridgecrest because the information they are reporting on my credit report remains inaccurate, misleading, and inconsistent with what I was repeatedly told by their own representatives. 

The account in question is an auto loan that was charged off and is now reported by Bridgecrest as a closed account with a remaining balance owed. However, when I called Bridgecrest multiple times between XXXX and XX/XX/XXXX, I was clearly told on recorded phone calls that the account had been sold to XXXX XXXX XXXX on XX/XX/XXXX. I was told that Bridgecrest no longer owned the account, could no longer assist me, and that all further questions needed to be directed to XXXX. These calls included representatives stating that the debt had been sold, not serviced. 

Because of that, I filed my first FCRA complaint earlier this month, requesting the tradeline be updated to reflect the true status sold/XXXX  balance, not an open balance with Bridgecrest. 

However, just two weeks after that complaint, Bridgecrest suddenly changed its entire position. On a phone call on XX/XX/XXXX, a Bridgecrest representative from the charged off department informed me that the account was never sold, and I was just told false information on multiple occasions and that XXXX was only servicing the debt on their behalf. They are now claiming that as of XX/XX/XXXX, Bridgecrest has resumed servicing the account directly contradicting everything I had been told for months. At no point prior to this was I ever notified in writing of any servicing relationship between Bridgecrest and XXXX. 

This reversal appears to be a direct response to my previous complaint, which raises serious concerns about compliance with the Fair Credit Reporting Act ( FCRA ). The fact that Bridgecrest is now changing their narrative after I took formal action shows a pattern of inconsistent, misleading behavior that is harming my credit and preventing me from qualifying for a mortgage. 

I have formally requested : Copies of the recorded calls where Bridgecrest stated the debt was sold. 
Written documentation outlining the servicing arrangement with XXXX, including dates and terms. 
An explanation as to why no consumer notification was ever provided. 

To date, no documentation has been provided, and the inaccurate credit reporting remains. I am requesting that the CFPB fully investigate this matter and require Bridgecrest to either correct the reporting or remove the account entirely from my credit file if they can not prove ownership and compliance throughout.

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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
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!

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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: DE

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion 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 2025-05-01 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Dispute and Correction Demand for Misrepresentation of Status by TransUnion, XXXX, XXXX, and XXXX XXXX XXXX XXXX Dear CFPB Representative, I am submitting this formal complaint and dispute regarding the improper handling, reporting, and recognition of my consumer file and secured party creditor status by the following entities : TransUnion XXXX XXXX XXXX XXXX XXXX ( a TransUnion subsidiary ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Underwriting ) Background : I, XXXX : XXXX, am the Secured Party Creditor and Authorized Representative for the legal estate XXXX XXXX XXXX XXXX operating under UCC-1 Reference Number XXXX, perfected and recorded. My lawful status as a secured party and private trust entity has been wrongfully ignored, omitted, and misrepresented in recent credit determinations and reports, causing unjust injury to my private estate and trust assets. 

Despite providing proper notice of my standing and demanding compliance with : 15 USC 1691 ( ECOA ) 15 USC 1681 ( FCRA ) 15 USC 45 ( a ) ( FTC Act ) Truth in Lending Act ( 15 USC 1601 et seq. ) these parties continued to use inaccurate consumer identifiers, improperly relied upon public scoring algorithms, and refused to properly correct my private status after direct notice.

Relief Requested : 1.Immediate recognition of my lawful secured party creditor status across all records.

2.Immediate update of my consumer file ( s ) to reflect my non-debtor, private trust estate status.

3.Full correction or removal of any inaccurate, misleading, or incomplete reporting tied to my legal estate.

4.Investigation into each named companys violations of the FCRA, ECOA, and FTC Act.

5.Damages and enforcement as allowed under 15 USC 1681n and 15 USC 1691e . 

I reserve all rights, without prejudice, pursuant to UCC 1-308 and all applicable federal and state laws. 

Respectfully submitted, XXXX : XXXX Secured Party Creditor , Authorized Representative XXXX XXXX XXXX XXXX XXXX XXXX UCC-1 Reference XXXX : XXXX ( Attach supporting documents : UCC-1 Filing Acknowledgment, Certificate of Trust,

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 is missing that should be on the report
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Subject : Dispute and Correction Demand for Misrepresentation of Status by XXXX, XXXX, XXXX, and Goldman Sachs Bank USA Dear CFPB Representative, I am submitting this formal complaint and dispute regarding the improper handling, reporting, and recognition of my consumer file and secured party creditor status by the following entities : XXXX  XXXX XXXX XXXX XXXX XXXX ( a XXXX  subsidiary ) XXXX XXXX XXXX Goldman Sachs Bank USA ( Apple Card Underwriting ) Background : I, XXXX : XXXX, am the Secured Party Creditor and Authorized Representative for the legal estate XXXX XXXX XXXX XXXX operating under UCC-1 Reference Number XXXX, perfected and recorded. My lawful status as a secured party and private trust entity has been wrongfully ignored, omitted, and misrepresented in recent credit determinations and reports, causing unjust injury to my private estate and trust assets. 

Despite providing proper notice of my standing and demanding compliance with : 15 USC 1691 ( ECOA ) 15 USC 1681 ( FCRA ) 15 USC 45 ( a ) ( FTC Act ) Truth in Lending Act ( 15 USC 1601 et seq. ) these parties continued to use inaccurate consumer identifiers, improperly relied upon public scoring algorithms, and refused to properly correct my private status after direct notice. 

Relief Requested : 1.Immediate recognition of my lawful secured party creditor status across all records.

2.Immediate update of my consumer file ( s ) to reflect my non-debtor, private trust estate status.

3.Full correction or removal of any inaccurate, misleading, or incomplete reporting tied to my legal estate.

4.Investigation into each named companys violations of the FCRA, ECOA, and FTC Act.

5.Damages and enforcement as allowed under 15 USC 1681n and 15 USC 1691e . 

I reserve all rights, without prejudice, pursuant to UCC 1-308 and all applicable federal and state laws. 

Respectfully submitted, XXXX : XXXX Secured Party Creditor , Authorized Representative XXXX XXXX XXXX XXXX XXXX XXXX UCC-1 Reference XXXX : XXXX ( Attach supporting documents : UCC-1 Filing Acknowledgment, Certificate of Trust,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TN

Complaint narrative:
Medical debt reported on all thee companies reports ( experian, equifax, transunion ) and shows it in collections, according to your rules. This is a 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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Medical debt reported on all thee companies reports ( experian, equifax, transunion ) and shows it in collections, according to your rules. This is a violation.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I received two email alert notifications from Experian on XX/XX/year> letting me know there were two new bank/credit card inquiry on my credit report. There was one from XXXX XXXX and XXXX XXXX. I was not the one who issued it, so I immediately thought this is a fraud/identity theft issue. This placed two hard inquiries on my report, which I then called Experian to file a dispute. Fortunately, Experian was able to remove those inquiries. However, it is still concerning to me that there is an identity theft issue.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
I am writing to formally dispute the validity and continued reporting of a collection account listed by Credit Control Services on my credit report. Upon reviewing my credit file in preparation for purchasing a home, I was alarmed to find this collection account still being reported. I previously held an insurance policy with XXXX XXXX, which I canceled in accordance with their procedures. I received written confirmation via email that the cancellation had been processed, and at no time was I notified of any outstanding balance. The first and only notice I received regarding a balance came from my mortgage lender, after they pulled my credit report as part of the loan approval process. This unexpected and erroneous entry has not only jeopardized my ability to close on my home loan, but it has also negatively affected my credit standing. Furthermore, the balance in question has since been paid, and I was advised that the account would be removed from my credit report. Its continued presence is both inaccurate and harmful.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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