vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: IL

Complaint narrative:
On XX/XX/2024, my apple card ( Goldman Sachs ) was charged {$2700.00} from XXXX XXXX ( XXXX ). I did not make this charge, so as soon as I saw it on my credit card statement I disputed it. The dispute did not go through, so I disputed it again and have had to do so XXXX separate times. Apple keeps on saying that there is not enough evidence to allow the dispute to go through since it happened using my virtual card. Immediately after I disputed the charge for the first time, I spoke with support and took all of the steps to make sure another fraud charge like this did not happen ( changed all of my apple id passwords, turned on extra fraud protection on my credit card, etc. ). I spoke to XXXX as well and they have no information on this transaction happening or any account linked to my credit card or any of my emails. I have provided all of the information I can to apple support 5 times now, stating that I live in an apartment and could have no use for a construction company since I rent alongside not ever making a purchase above {$1000.00} utilizing this credit card. I have also had issues with fraud charges with my virtual card before, where Apple denied those transactions from happening because they deemed it as fraud, but did not do this with the {$2700.00} charge. I have appealed the decision once again, but they said without any evidence the appeal will most likely not go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
XXXX XXXX XXXX Social Security Number : XXXX, Date of Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$16000.00}, XXXX  XXXX XXXX XXXX XXXX XXXX BALANCE {$15000.00}, XXXX XXXX XXXX XXXX XXXX BALANCE : {$14000.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: MD

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-06 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: NC

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX Credit Card issued by Citibank Payments made in XXXX and XX/XX/XXXX and XX/XX/XXXX to the XXXX credit card were processed as " ATM withdrawals- Citibank XXXX XXXX XXXX '' and were flagged by my credit union as potential fraud so were charged back. I was notified in XX/XX/XXXX and the balance of the account was paid in full. Howerver, in XX/XX/XXXX Citibank reported me as 30 days past due on the 3 Credit Bureaus XXXX XXXX XXXX, and XXXX. I disputed this with the credit bureaus as well as having multiple correspondences and phone calls with Citibank. While Citibank understood the confusion they created, they refuse to correct the reporting entry of a late payment, even though their records indicate the payments were made. It is because of the way they process the payments that this situation occurred. I have spent countless hours trying to correct this situation.

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 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credee Corporation
State: VA

Complaint narrative:
I am writing to formally dispute the accuracy of a Credee Corporation account currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. However, this account remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter and the removal of this account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXXXXXX XXXX I sent out a letter to Experian to validate a debt and clearly stated it was not a verification. I request that they conduct a thorough investigation into this matter and provide validation of the debt, including a signed contract or original documentation proving the validity of this charge-off. I stated if XXXX XXXX XXXX  can not provide proper validation, I requested this be deleted from my credit report if this information couldnt be validated. I have not received the proof nor did I ask for verification

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 2025-05-06 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: TX

Complaint narrative:
I have taken the necessary steps to report the fraudulent inquiries that have appeared on my credit report. The unauthorized inquiry placed on my accountwithout my knowledge or approvalhas caused considerable emotional and financial strain. As someone affected by identity theft, I expect a timely and lawful resolution to this issue. 

These false and misleading entries have significantly hindered my ability to purchase the car Ive long aspired to own and to meet my familys needs. For your review, Ive included a copy of a previous letter I sent concerning 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 non-monetary relief
Consumer complaint received 2025-05-06 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: MD

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have multiple incorrect items on my credit report that isnt supposed to be on there at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am filing this complaint against Synchrony Bank regarding my CareCredit Synchrony credit card account due to the addition of a large, unexpected interest charge of {$5300.00}, which has resulted in a significantly increased monthly minimum payment and a negative balance of {$4200.00} on my account. As of XXXX XXXX 2025, my account balance was {$14000.00}, and I have been consistently making the required minimum monthly payments. 

At no point was I adequately informed that such a large, retroactive interest charge would be applied to the account. This interest addition appears to be both deceptive and predatory, taking advantage of consumers by accumulating deferred interest without clear, transparent disclosure. It has placed an unreasonable and unexpected financial burden on me, which I was not prepared for, and which I believe is in violation of fair lending practices. 

Furthermore, when I contacted Synchrony Bank Customer Service to seek clarity and assistance, I was met with a representative who was rude, aggressive, and dismissive. The representative demonstrated no empathy or willingness to assist, and instead was argumentative and combative in tone, which made the experience even more distressing. 

I am respectfully requesting the CFPB to investigate this matter, as it reflects unfair and harmful lending practices, compounded by unprofessional customer service. Consumers deserve to be clearly informed about the terms of their credit agreements and treated with respect and fairness when seeking assistance.

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 2025-05-06 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: NC

Complaint narrative:
Im reaching out regarding an account listed on my credit report. Im requesting that you immediately verify and certify that every piece of data tied to this account actually belongs to meincluding the name, address, account history, balances, and any other personal or financial details reported.

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 2025-05-06 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: MO

Complaint narrative:
In accordance with this statute, if you are unable to provide verifiable documentation supporting the accuracy of the account ( s ) listed below within 15 days of your investigation, you are required to delete or appropriately modify the disputed information from my consumer file.

Additionally, under 15 U.S. Code 1681a ( c ) ( 2 ) ( B ) Exclusions from a Consumer Report, any credit transaction that involved the use of a Social Security card is excluded from being reported. If such a card was used in connection with the account in question, its reporting constitutes a violation of federal law. 

Please take the appropriate steps to ensure compliance with the above statutes.

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 2025-05-06 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: CA

Complaint narrative:
XXXX XXXX/2025 this company has fraudulently put a hard inquiry on my credit report. I don't know who they are, nor do I have a signed agreement with them for any services or goods. TransUnion is committing fraud by allowing this to continue on my report. After I have reported this five times to them. My attorney and I are going to press charges if TransUnion do not immediately delete this fraudulent hard angry. TransUnion has deliberately committed fraud by lying and telling me and my attorney that they have not received the FTC report. The FTC report are gray, the FTC number is not on the report, the FDC report is a duplicate, they have stated they do not accept FDC reports. All of these fraudulent denials will result in a lawsuit if not deleted immediately. As of today, XXXX XXXX 2025 i am submitting my XXXX FTC report through the cfpb along with my ID and verification of address. This report has been viewed and acknowledge by FTC manager. There's nothing wrong with this FTC report and this would be the XXXX time I am submitting a complaint of fraud on my consumer report. My attorney is going to press charges against TransUnion if this is deleted immediately. We have all the FTC reports that have been submitted and we have recordings of the lies that have been told to my attorney and myself about these FTC reports and we have submitted the se documents certified mail that was signed off by transunion. We have all the names, positions and case numbers pertaining to the acts of fraud transunion is committing.

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 2025-05-06 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, 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 2025-05-06 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
I have no relation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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