vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I have a transaction from a merchant that I do not know or recognize on my card. I went through all of my electronic communications and can not find anything tied to this merchant. 

I have opened this transactions several times over the last few months and it keeps getting denied and the company response is a canned answer : We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim.

At no point have they asked me for additional information for this dispute. I have no additional information, I do not know the vendor and I do not know why they charged me {$59.00}. Goldman Sachs has been entirely unhelpful in making sure Im not being charged.

The company has also been rude in their responses to me. When asked how can I trust them or the work their team is doing to actually review the disputes I was told : We can not make transactions for you guys, that's why we need to be careful with where the card is entered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To : TransUnion Consumer Solutions XXXX. XXXX XXXX  XXXX, PA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX SSN : XXXX DOB : XXXX Subject : Identity Theft Dispute XXXX  Data Breach XXXX Claim XXXX XXXX Dear XXXX  Compliance Department , I am writing to formally invoke my rights under the Fair Credit Reporting Act ( FCRA ) regarding fraudulent information on my credit file that resulted from the XXXX  data breach and subsequent identity theft. 

I was a confirmed victim of the XXXX  breach and have filed a claim under Claim Number : XXXX. As a result of this breach, an account that does not belong to me was fraudulently opened in my name and is being reported on my XXXX credit report. 

Your Legal Obligations FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires consumer reporting agencies to block information resulting from identity theft within four ( 4 ) business days of receiving proper documentation, including an identity theft report.

FCRA 611 ( 15 U.S.C. 1681i ) : Requires you to conduct a reasonable investigation of disputed information, notify the furnisher, and provide written results within 30 days.

FCRA 623 ( 15 U.S.C. 1681s-2 ) : Prohibits furnishers from reporting information they know is inaccurate and obligates them to correct or delete fraudulent accounts.

If the furnisher is a debt collector, the FDCPA ( 15 U.S.C. 1692g & 1692e ) also prohibits collection and reporting of debts not owed and requires verification upon dispute. 


Fraudulent Account to be Deleted XXXX XXXX XXXXXXXX - {$25000.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX- XXXX XXXX {$7100.00} XXXX XXXX XXXX XXXX$240.00} XXXX XXXX  XXXX - {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXXXXXX {$1300.00} XXXX XXXX XXXX XXXX {$430.00} These accounts are unverifiable, fraudulent and must be permanently deleted.

Notice : If you fail to comply, I will escalate immediately by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursing binding arbitration. 

Respectfully, 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 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against Equifax for failing to conduct a reasonable investigation and for inaccurately reporting a bankruptcy that does not belong to me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.On XX/XX/scrub> 2025, I mailed Equifax a formal dispute letter regarding a dismissed XXXX  XXXX bankruptcy that is being reported on my Equifax credit report. The item is listed as follows : Court : XXXX XXXX XXXX Reference # : XXXX Filing Date : XX/XX/year>2025 Status : Dismissed This record is not mine. The Social Security Number associated with this bankruptcy does not match mine.

I provided supporting documentation, including a copy of a court letter showing the inaccurate SSN tied to this record.

I also included the required documents to verify my identity ( government-issued ID, Social Security card , and proof of address ). Failure to investigate Equifax did not respond to my dispute within the 30-day timeframe required by the FCRA.

Reporting inaccurate information Equifax continues to report a bankruptcy that does not belong to me.

Failure to provide verification My letter specifically requested the following, which Equifax ignored : The name of the company or entity that certified the accuracy of the bankruptcy information.

The documents and evidence used to validate the accuracy.

The contact information of the certifying entity.

This inaccurate bankruptcy is severely damaging my credit profile and falsely represents that I filed for bankruptcy when I did not.

The record is inaccurate, incomplete, and misleading, in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing a complaint regarding Equifaxs reinvestigation of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account. Despite multiple disputes, Equifax has repeatedly verified this account as accurate without providing proof of ownership, contract, or itemized balance. Under FCRA 611, a consumer reporting agency must conduct a reasonable reinvestigation. Simply re-verifying without evidence violates the law. Further, this is a debt buyer account, which requires validation under the FDCPA. Because no validation has been produced, continued reporting is unlawful. I am requesting the CFPB require Equifax to delete this account from my credit file and ensure compliance with FCRA and FDCPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-15 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Five Capital One checks with our account number were mailed at the XXXX XXXX XXXX XXXX. Two were cashed fraudulently in early XXXX, XXXX. Check # XXXX for {$2200.00} and check # XXXX for {$2200.00} by a XXXX XXXX. However, we have the actual check # XXXX in our checkbook. 

While we have a case number, XXXX, we do not have any written documentation from Capital One for purposes of creating a paper trail. At this time, Capital One is not giving us any information as to the status other than " it is under investigation. '' Numerous phone calls have been made with the same answer " under investigation. '' The email address, XXXX recently, given to us, from the Customer Protection Account Activity Department is suspicious according to our lawyer. No formal mailing address is available to us as we have been told we are dealing with a call center. A Main office address can not be obtained as well. 

It has been agreed by Capital One that these checks are fraudulent ; however, our funds have yet to be reimbursed. Please advise......

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-15 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I am a victim of identity theft ( FTC Report # XXXX, attached ), leading to fraudulent accounts on my credit reports from XXXX, XXXX, and XXXX, reducing my XXXX score to XXXX and inflating my debt to {$5300.00}. Specifically, XXXX XXXX XXXX XXXX reports a collection account ( Acct : XXXX ) that I never authorized, tied to identity theft since XX/XX/year>. 
Despite my fraud alert ( noted in XXXX ) and multiple disputes, XXXX has failed to validate this debt ( FDCPA 1692g ( b ) ) or remove it ( FCRA 1681i ), violating federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-09-15 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: FL

Complaint narrative:
I am extremely XXXX  to see that the inaccurate accounts are still showing on my credit report, and they were not taken off even after all this time. I urgently ask that the documents Ive attached be carefully reviewed so I can finally stop living with this constant fear and frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
The inaccurate accounts are still appearing on my credit report, and they have not been removed. This situation has caused me so much XXXX, and Im pleading for the documents Ive attached to be examined thoroughly so I can finally stop carrying this heavy burden.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because Experian is reporting a Chapter 13 bankruptcy on my credit report that is not mine, and Experian failed to conduct a proper reinvestigation or respond within the timeframe required by the Fair Credit Reporting Act. Item : Chapter 13 Dismissed ( public record ) Court XXXX XXXX XXXX XXXX XXXX, XXXX Reference # : XXXX Date Filed : XX/XX/year> Date Settled : XX/XX/year> Upon reviewing the official court record, I confirmed the SSN printed on the court record does not match my SSN. On XX/XX/year> I mailed Experian a formal dispute letter asking that they reinvestigate and requesting specific verification information ( see requested items below ). I included copies of : the official court record showing the SSN/name mismatch, my Social Security card , my government-issued photo ID, and a recent utility bill as proof of address. I did not receive a response from Experian within 30 days as required under the FCRA. Experian has not provided the certification/verification documentation I requested nor removed the inaccurate record. The record is inaccurate and incomplete because the SSN and name do not match me. This is mixed-file reporting and materially misleading. 


Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy.

Under 15 U.S.C. 1681i, upon receiving notice of a dispute, the CRA must conduct a reasonable reinvestigation and respond within 30 days ( or 45 days with extension in specific circumstances ). Experian failed to do so. 
Failure to delete or properly investigate inaccurate information harms my creditworthiness and constitutes noncompliance with the FCRA. 
Specific information requested in my original dispute ( and being requested here ) : The name of the company or entity that certified or provided the bankruptcy information. 


The documents and evidence used during the certification process to validate the accuracy of the bankruptcy report. 


The contact information ( address and phone number ) of the certifying entity or vendor. 


The SSN and full name that Experian used to match this public record to my file. 
The method/tool/algorithm used to match the public record to my consumer file ( if applicable ), and the specific data fields that matched. 


Copies of any documents or matching files relied upon to associate this bankruptcy with my file ( redact only unrelated third-party private data if necessary ).

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 2025-09-15 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: TX

Complaint narrative:
This letter is to bring to your urgent attention that an unauthorized hard inquiry has been reported on my credit file. I have reviewed my records carefully and can confirm that I did not apply for credit, nor did I grant permission for this inquiry to occur. The appearance of this inquiry suggests a misuse of my personal information and creates an inaccurate representation of my financial responsibility.

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 2025-09-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: NATIONAL DEBT RELIEF LLC
State: CA

Complaint narrative:
On XX/XX/year>2025, a loan application was submitted to XXXX XXXX in my name without my knowledge or consent. XXXX was the funds administrator for my debt settlement program with National Debt Relief. 

Despite no services being performed, XXXX drafted funds from my account via ACH until I issued a stop-payment order on XX/XX/year>2025. I formally terminated my agreement with National Debt Relief on XX/XX/scrub> 2025. To date, I have only received a partial refund that does not match the total deposits drafted by XXXX. 

On XX/XX/year>2025, I formally requested from XXXX documentation of the XX/XX/XXXX application, consent records, and audit logs. XXXX responded but did not provide any of the requested documentation and directed me back to National Debt Relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC
State: TN

Complaint narrative:
XX/XX/year> XX/XX/year> I have been on a hardship forbearance plan, but the reporting to credit bureaus has been inconsistent. Each time I requested an extension ( XXXX and XX/XX/year> ), the system reported missed payments while my request was pending, which dropped my credit score by over XXXX points. 

Even after following the instructions provided to prevent this, the same issue occurred again this month. Customer service gives conflicting and inaccurate explanations, and my prior complaints to both the mortgage company and credit bureaus have not resolved the problem. 

If this is happening to me, it is likely affecting many others as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing fraudulent accounts that have been wrongfully attached to my credit report. These accounts were never authorized, opened, or used by me and their presence represents false, misleading, and damaging information. The inclusion of such accounts undermines the accuracy, completeness, and integrity of my credit file while also misrepresenting my financial responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the bankruptcy listed on my credit report. I have never filed for bankruptcy, and this record is entirely inaccurate. Its continued reporting misrepresents my financial history, impacting my ability to obtain credit and affecting my personal and professional life.

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 2025-09-15 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:
As stated in USC 1681g, remove these invalid accounts within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TX

Complaint narrative:
I am disputing the late payment reported on my credit file, as it is entirely inaccurate and misrepresents my financial responsibility. My documented payment history confirms that I have maintained consistent, on-time payments, and this negative entry is an error. Allowing this false reporting to remain creates a misleading and damaging portrayal of my creditworthiness, which is unjust and unacceptable.

Company response to consumer: Closed with explanation