vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: NV

Complaint narrative:
Account : Spring Oaks Capital LLC Original Creditor : XXXX XXXX  Account # : XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe proper notification was sent, please provide a copy of the certified mail and return receipt bearing my signature. If you can not provide this, I am formally requesting that account # XXXX be deleted from my credit report immediately. Failure to comply may result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: TN

Complaint narrative:
On XX/XX/year>, I placed an order on XXXX for a XXXXXXXX XXXX XXXX XXXX XXXXr for {$400.00}. The seller turned out to be fraudulent they created a shipping label but never shipped the item. XXXX acknowledged the issue and began processing a refund in the form of an XXXXXXXX XXXX XXXX 

I requested that the refund be issued to my original payment method my Apple Card ( Goldman Sachs ). After that, the gift card refund was stopped, and I never received a refund in any form. 

Since XX/XX/year>, I have been disputing this charge. I contacted XXXX many times. They referred me to their higher team, who claimed a gift card refund had been issued and used. They provided a gift card number, but when I tried to redeem it, it was invalid. I recorded a video showing my XXXX order history, gift card balance, and refund status, all proving that I never received the product or a valid refund. I sent this to XXXX as well as to Apple Card. 

I submitted XXXX disputes with Apple Card. Each one was denied, but I was never provided a clear explanation or evidence for the denial. Apple Card never told me that a gift card refund was issued or used they simply denied my claims without resolution. 

As of today, 9 months later, the issue is still unresolved. I never received the item or a valid refund, and I am still being held responsible for the {$400.00} charge. I am requesting a full refund to my original payment method.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-30 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:
XXXX XXXX {$3900.00} XXXX XXXX {$290.00} XXXX XXXX XXXXXXXX {$3900.00} XXXX BANK XXXXXXXX XXXX XXXXXXXX {$290.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My credit report reflects late payment entries that I believe to be inaccurate. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I kindly request that these entries undergo verification. Should they remain unverified, I ask that they be promptly corrected or removed.

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 2025-06-30 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXXXXXX XXXX XXXX Subject : Unauthorized Hard Inquiry Dispute XXXX XXXX Dear CITIBANK, The following hard inquiry appears on my credit report without my consent : - XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bureau * * : XXXX XXXX XXXX Action Requested XXXX XXXX XXXX XXXX. Confirm whether this inquiry was authorized. 
XXXX. If not, remove it from all credit bureaus and send me written confirmation. 

Failure to respond within 30 days will prompt a CFPB complaint. 

Sincerely, 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 2025-06-30 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I didn't authorize the following companies to pull my credit. 
XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/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 2025-06-30 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I 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 you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the 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 explanation
Consumer complaint received 2025-06-30 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:
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 you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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:
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: FL

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. 

Account name : XXXX XXXX Account number : XXXX XXXXXXXX Account name : XXXX  Account number : XXXX XXXX Account name : XXXX  Account number : XXXX XXXX Account name : XXXX Account number : XXXX XXXX Account name : XXXX Account number : XXXX XXXX Account name : XXXX Account number : XXXX XXXX Account name : XXXX  Account number : XXXX XXXX has violated my rights. 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NY

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

1681c-2 ) that you, the Experian Credit Services , 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. 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
According to my credit report, it states that {$760.00} was written off by XXXX. The fact is that XXXX was paid in full on XXXX and not a single XXXX was written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: VA

Complaint narrative:
I am writing to formally dispute inaccurate late payment information that is currently appearing on my credit report. Upon reviewing my credit file, I have noticed that the following account ( XXXX ) have been reported as late ; however, I have never been late on these accounts, and they have either been paid on time or closed in good standing. 

Disputed Account ( XXXX ) : - XXXX - XXXX - XXXX I am requesting that you investigate and verify the payment history on these accounts. I have maintained timely payments throughout the duration of these accounts and believe that the current reporting is inaccurate and potentially damaging to my creditworthiness. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I respectfully request that you conduct an investigation and provide verification of these late payments. If the information can not be verified, I request that it be corrected or removed from my credit file entirely. 

Please confirm receipt of this letter and inform me of the results of your investigation at your earliest convenience. I have enclosed a copy of my drivers license and a utility bill as proof of identity and address. 

Thank you for your time and 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 non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
On XX/XX/XXXX I enacted an online payment thru my bank XXXX XXXX XXXX XXXX Comenity XXXX Mastercard for the full amount due their XX/XX/XXXX bill of {$280.00} which amount was processed from my checking acct. On XX/XX/XXXX Cominity called me to say they never received payment and charged me interest and a late fee of {$30.00}. To resolve, I made a second full payment of {$360.00} not realizing at that moment that the {$280.00} already was paid. XXXX called Comenity with me on the line and we spoke with a " XXXX ' at Comenity who acknowledged there was a computer glitch and they were attempting to resolve. On XX/XX/XXXX I called Comenity for an update. The rep had no knowledge of my payment history. She acknowledged that I did file a dispute and she rudely told me that there is no resolution nor information as of XX/XX/XXXX and that there are other members in my same situation. Not only am I out for a second payment of {$360.00} which is a duplicate but they've not credited the interest or late fee. They are unable to provide a timeline for resolution, only sending me two hard copy letters - 1 ) that they have my dispute and 2 ) that they require additional info from me. My bank included all the information to Comenity on my initial payment. This is grossly unfair and I need help in getting this resolved and reimbursed for the duplicate payment they insisted I send in. As there is no resolution in sight, please help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-30 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: VA

Complaint narrative:
I am submitting this complaint to dispute a late payment entry currently being reported by XXXX, Experian, and XXXX  for an account listed as XXXX, account number ending in XXXX, with a reported delinquency dated XX/XX/year>. According to the information displayed on my credit reports, the past due balance for this account is {$0.00}, which directly contradicts the presence of any delinquency. 

This is a closed or resolved account with no outstanding balance, and yet all three bureaus continue to report a derogatory late payment without providing any supporting documentation or evidence that verifies its accuracy. I have not received any communication or billing statement from XXXX indicating that a payment was missed, nor has any of the credit bureaus produced proof that this late payment was legitimate or lawfully reportable. 

As someone who actively monitors and manages their credit profile, I take great care to ensure that every item on my reports is correct, timely, and verifiable. I have disputed past errors and maintained a clean record. Thats why it is especially frustrating to see a late payment being reported on an account that is not delinquent, has no past due balance, and does not warrant a derogatory status. This kind of reporting is not only inaccurate its a direct misrepresentation of my credit history. 

Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are obligated by 15 U.S.C. 1681e ( b ) to ensure the maximum possible accuracy of the information they report. Furthermore, under 15 U.S.C. 1681i, I have the right to dispute inaccurate information and receive a full reinvestigation. So far, I have received no documentation confirming that this late payment entry is accurate or that it was submitted with valid, verifiable data from the furnisher. The continued presence of this error on all three reports is a failure of compliance with 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 explanation
Consumer complaint received 2025-06-30 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:
I am a victim of XXXXXXXX, and the information listed below on my credit report is a result of that XXXX : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-06-30 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:
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