vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
Subject : Goldman Sachs Bank USA Willful Violation of FCRA 605B ( Failure to Block Fraudulent Apple Card Tradeline ) Details of the Complaint : I am a victim of identity theft. A fraudulent Apple Card account was opened in my name without my knowledge or consent. 
On XX/XX/2025, Goldman Sachs Bank USA received a complete Section XXXXB identity theft package, including : FTC Identity Theft Report ( Report # XXXX ) XXXX Police Department Identity Theft Report ( # XXXX ) Copy of my drivers license and proof of address Despite this, Goldman Sachs continues to report the account to XXXX XXXX and XXXX 

Violations Failure to block the account within XXXX  business days in violation of 15 U.S.C. XXXX XXXX FCRA XXXX ) Continuing to furnish information after receiving an identity theft notice, in violation of 15 U.S.C. 1681s-2 ( a ) ( 6 ) Failure to conduct a reasonable investigation under 15 U.S.C. XXXX ( b ) Evidence Attached Copy of my XXXX XXXX  2025 XXXX package ( police report, FTC report , ID, proof of address ) Goldman Sachs written response to CFPB dated XX/XX/2025, admitting they will continue to report Email sent XX/XX/2025 to Apple Executive Escalations confirming their refusal to comply with XXXX  Requested Relief Immediate deletion of the fraudulent Apple Card tradeline from all credit reporting agencies Written confirmation of deletion Investigation into Goldman Sachs Bank USA for repeated violations of federal law This matter has caused severe and ongoing harm to my creditworthiness and has been ignored despite valid identity theft documentation. 

Desired Outcome : Delete the fraudulent Apple Card tradeline and prevent future reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NY

Complaint narrative:
I worked in. XXXX XXXX XXXX  for XXXX  years. MOHELA only gave me credit for 8 months instead of the entirety of for years. I am currently a XXXX XXXX, and have been for XXXX years and they denied my pslf discharge claim and Im fully eligible. 
I believe Ive my files have been mishandled. MOHELA is currently in a class action lawsuit for such reasons, I sent a complaint letter to the agency. My loans started as a regular student aid loan and it was forwarded to both XXXX  ( which I was transferred to originally ), then transferred to MOHELA. I have been neglected by both companies. 
MOHELA failed to implement student loan discharges ordered by the Department of Education for borrowers who attended predatory for-profit institutions The company reportedly implemented a strategy to divert callers to its website, potentially hindering borrowers from accessing necessary assistance. 

MOHELA is alleged to have failed in the accurate and timely processing of applications for Income-Driven Repayment ( IDR ) and Public Service Loan Forgiveness ( PSLF ) programs, potentially causing financial harm to borrowers. 

Lawsuits claim MOHELA provided inaccurate information about debt relief options, potentially leading borrowers to make incorrect decisions regarding loan consolidation or repayment plans.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-28 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: MA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: PA

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Block, Inc.
State: NY

Complaint narrative:
I have XXXX XXXX XXXX XXXX  card. I made my payments but they still attempted to take my payment twice. I called XXXX about the issue they say its nothing they can do I have to call the bank I have cash app cash app is denying my claim. This is the second time this has happened and I am now filing a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
As I did not permit the creation of these accounts, which appear to be fraudulent, I request their removal from my credit report within 15 days, pursuant to USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX SSN XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> MCAManagementCompany XXXX XXXX XXXX address per MCA site & XXXX listing RE : Formal CeaseandDesist Notice Alleged Account XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter constitutes my demand, under * * 15U.S.C.1692c ( c ) * * of the Fair Debt Collection Practices Act, that MCAManagementCompany * * cease all communication * * with me concerning the abovereferenced account.

* * * Do not call, text, email, or mail me * * about this debt.

* * * Do not contact my relatives, employer, or any third party * * except as permitted once to confirm my location. 
* You may send only one of the two communications the statute allows after receipt of a ceaseanddesist : 1. Written confirmation that you are terminating collection efforts, * * or * * 2. Written notice of a specific legal remedy you intend to pursue. 

Any further contact beyond these two exceptions will be documented as a willful violation of the FDCPA and reported to the * * Consumer Financial Protection Bureau * *, the * * Missouri Attorney Generals Office * *, and any other appropriate regulatory body.

This notice does * * not * * constitute a refusal to pay ; it is merely a lawful exercise of my right to end further collection communications.

Govern yourselves accordingly. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
I am submitting this complaint to report inaccurate and unfamiliar information being reported on my credit file. I have identified one or more incorrect information, accounts and inquiries that I do not recognize, did not authorize, and have never had any prior relationship or knowledge of. These items appear to be incorrectly attributed to my profile. I have reached out to the reporting entity to request validation and removal, but have not received sufficient documentation proving that the incorrect information, accounts and inquiryies belong to me or were lawfully initiated.

This reporting may constitute a violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and possibly the Gramm-Leach-Bliley Act regarding the safeguarding and proper use of consumer 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 2025-07-28 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:
I have XXXX auto inquiries on my EQUIFAX credit report and XXXX inquiries on my TRANSUNION credit report that I did not authorize

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 2025-07-28 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: TN

Complaint narrative:
RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 2025-07-28 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: GA

Complaint narrative:
I have disputed inaccurate information off of my report several times. Under the FRCA I have the right to have all information reporting 100 % accurate on my credit file. The credit reporting agencies have failed to properly investigate and/or update inaccurate information. This has been very injurious to my credit score and it is illegal for them to continue to report this information. If it is inaccurate or incomplete than by law they must delete it from the credit file. All accounts must be 100 % accurate and the information should be the same on all XXXX reports. I have also asked them to provide me with documented proof that the accounts belong to me and they have failed to do so. 

XXXX XXXX XXXX : Incorrect open date incorrect closing date. Payment amount and term amount inacuurate. 

XXXX XXXX : High balance inaccurate, Closed Date inaccurate, Term Length inaccurate, Last payment date inaccurate XXXX  XXXX Closed date inaccurate, Open date inaccurate Payment amount missing, Term length missing XXXX XXXX  XXXX Date opened inaccurate, Date closed Inaccurate, payment amount inaccurate, term length inaccurate

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 2025-07-28 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: CA

Complaint narrative:
I find it upsetting to see a late payment listed, especially given my consistent payment record. Please review and correct it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
RE : Request for Debt Validation under the Fair Debt Collection Practices Act ( FDCPA ) Account/Reference Number : [ Insert Account Number if known ] To Whom It May Concern, This letter is being sent to you in response to a collection notice or other communication I received regarding an alleged debt. I am requesting that you provide proper validation and verification of the debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and relevant protections under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Please consider this letter a formal dispute of the alleged debt and a request for validation. I am requesting the following : The name and address of the original creditor. 
A complete itemization of the debt, including the amount of the original debt, any interest, fees, or other charges that have been added. 
Proof that you are legally authorized to collect this debt, including a copy of the assignment or other transfer of ownership. 
A copy of the original signed agreement or contract that authorizes the charges and binds me to pay. 
If this debt has been reported to any credit reporting agency, please provide : The date the debt was first reported The name ( s ) of the credit bureau ( s ) it was reported to The date of first delinquency as defined under FCRA 623 ( a ) ( 5 ) Please note : Until you provide proper validation of this debt, you must cease all collection activities, including reporting this debt to any credit bureau ( or must note it as disputed if its already reported ), as required by FDCPA 809 ( b ) and FCRA regulations.

If you do not respond with the requested information within 30 days of receipt of this letter, or if you continue to report this debt to the credit bureaus without noting it as disputed, you may be in violation of federal law. 
I also request that you do not contact me by telephone. All future communications must be in writing and sent to the address listed above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-28 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 am writing to dispute several hard inquiries listed on my credit profile. I have not recently applied for any new credit lines or loans and believe these inquiries to be in error or fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: MA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
While trying to open a bank account, I was denied due to a ChexSystem report that included a XXXX XXXX account that stated I owed {$1000.00} or something of that range. I never had XXXX XXXX  before. I currently bank with XXXX, XXXX XXXX XXXX. But I never applied for XXXX XXXX. Over the past years I have lost my wallet with my ID and social security card maybe 3 times. I have had to dispute other fraudulent accounts on my credit report due to the same issues and those items were deleted. This account is affecting my relationships with banks and that affects my income.

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 2025-07-28 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: PA

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

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