vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4600.00}, XXXXXXXX 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/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 2025-09-11 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: NY

Complaint narrative:
I called the company XXXX XXXX and I asked about if I paid my past due balance would the account would be removed from my credit report. The representative, XXXX XXXX of XXXX XXXX stated that the account would be removed once I paid the account in full and emailed their back office. I did that and was told they could not delete the account off of my credit report even though there representative stated that it would be.

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 2025-09-11 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: NJ

Complaint narrative:
Someone used my XXXX credit card without my permission to make a fraudulent transaction for {$5100.00} on the morning of XX/XX/year>. That morning, I received an email informing me that a restaurant reservation was made in my name. Within minutes of receiving that email, I did XXXX things : ONE : I called Apple Card customer service and reported the transaction. I was told to sign out of all my XXXX devices immediately. I informed them that I could not do that immediately because I was standing in line at an embassy in XXXX and did not have access to all of my XXXX devices. They then put my XXXX account on hold to ensure that no other fraudulent transactions would occur. There should be a record of this happening ( that my account was put on hold that day, XX/XX/year> ). 

TWO : I emailed the restaurant back within minutes of receiving their email and informed them that this was a fraudulent transaction, asking them to cancel the reservation. I have proof of this and have sent it to Apple Credit Card ( screenshot of the email ). 

Later, I discovered that my XXXX and personal XXXX had been stolen, and I called Apple Card to inform them about this. 

I do not know what else I could have done. The Apple Card contract states that I will not be held responsible for any fraudulent transactions. Instead of permanently reversing this fraudulent charge, Apple Card has continued to refund and then reinstate the charge since XX/XX/year>. This has caused me considerable stress since XX/XX/year>. 

When I ask Apple Card why the charge was reinstated, they tell me that the merchant submitted evidence that led to their decision. When I requested a paper copy of the evidence, they mailed me a letter stating that the merchant had submitted no evidence.

One more thing : This restaurant is located in XXXX, and at the time of the transaction, I was living in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America is holding me liable for XXXX fraudulent transactions for the total amount of {$830.00} that I did not commit. 

Additionally, they charged me again for XXXX of the fraudulent transactions. I have spent numerous hours on the phone trying to resolve this with them and no one has been able to help me. I have been transferred to XXXX different departments and no one will help 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 monetary relief
Consumer complaint received 2025-09-11 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 submitting a follow up complaint because, upon reviewing my credit report, I identified several accounts that are inaccurate, unverifiable, or reported in a manner inconsistent with my records. These inaccuracies have caused unnecessary stress and are affecting my financial standing. Under the Fair Credit Reporting Act, I have the right to an accurate credit report. Specifically, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to maintain reasonable procedures to ensure maximum accuracy, FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) gives me the right to dispute inaccurate information, and FCRA 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ) governs the reporting responsibilities of furnishers. 
XXXX account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00}, is reported as a charge-off. This account can not be verified, and its reporting appears to violate FCRA 605B ( 15 U.S.C. 1681c-2 ) and 611 ( a ). The information is inconsistent with my records, and I request it be removed unless fully verified.

Several accounts are reported as charge-offs without proper documentation, including IRS XXXX XXXX compliance for debts over {$600.00}. These include XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$6000.00} * * and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3800.00} XXXX XXXX. These entries appear to be reported without sufficient verification, violating FCRA 607 ( b ). 
Finally, a repossession is reported on my account XXXX XXXX XXXX XXXX  XXXX {$24000.00} XXXX XXXX which I can not verify. This reporting is inaccurate and appears inconsistent with my records. Its reporting seems to violate FCRA 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), FCRA 605B ( 15 U.S.C. 1681c-2 ), and 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting a follow up complaint because, upon reviewing my credit report, I identified several accounts that are inaccurate, unverifiable, or reported in a manner inconsistent with my records. These inaccuracies have caused unnecessary stress and are affecting my financial standing. Under the Fair Credit Reporting Act, I have the right to an accurate credit report. Specifically, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to maintain reasonable procedures to ensure maximum accuracy, FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) gives me the right to dispute inaccurate information, and FCRA 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ) governs the reporting responsibilities of furnishers. 
XXXX account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00}, is reported as a charge-off. This account can not be verified, and its reporting appears to violate FCRA 605B ( 15 U.S.C. 1681c-2 ) and 611 ( a ). The information is inconsistent with my records, and I request it be removed unless fully verified.

Several accounts are reported as charge-offs without proper documentation, including IRS XXXX XXXX compliance for debts over {$600.00}. These include XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$6000.00} * * and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3800.00} XXXX XXXX. These entries appear to be reported without sufficient verification, violating FCRA 607 ( b ). 
Finally, a repossession is reported on my account XXXX XXXX XXXX XXXX  XXXX {$24000.00} XXXX XXXX which I can not verify. This reporting is inaccurate and appears inconsistent with my records. Its reporting seems to violate FCRA 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), FCRA 605B ( 15 U.S.C. 1681c-2 ), and 611 ( a ).

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 2025-09-11 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: SC

Complaint narrative:
I am submitting this follow-up complaint regarding my credit reports with Experian, Equifax, and TransUnion. My reports continue to contain inaccurate, unauthorized, and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ). I respectfully request the Consumer Financial Protection Bureaus assistance in ensuring these errors are investigated and corrected. 
Inaccurate Personal Information My Experian report contains addresses that do not belong to me : XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
These addresses are inaccurate and should not appear in my credit file.

Under FCRA 609 ( a ) ( 1 ), I have the right to know what identifying information is reported.

Under 611 ( a ) ( 1 ) ( A ) and 607 ( b ), the credit bureaus must ensure accuracy and remove unverifiable data. 
Several charge-off accounts are misreported or unverifiable. These include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Some of these accounts inaccurately report balances above {$600.00} without proper IRS Form 1099-C documentation.

This violates FCRA 605B, 607 ( b ), and 611.

Collection Accounts My reports list collection accounts that contain errors in balance, ownership, and status. These include : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX These entries are inaccurate and unverifiable.

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not report information they know is inaccurate.

Under 611 and 605B, I have the right to dispute and block such items.

Unauthorized Inquiries My reports contain numerous inquiries that I did not authorize, and which lack a permissible purpose. Examples include : XXXXXXXX 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 And many more, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others ( full list attached ). 
These inquiries lack permissible purpose under FCRA 604 ( a ) ( 3 ).

Under FCRA 609 ( a ) ( 1 ) and 611, I have the right to full disclosure and removal of unverifiable inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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 not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
Subject : Formal Complaint Apple Card / Goldman Sachs Unfair Denial of Credit Increase To Whom It May Concern, I am filing this complaint regarding Apple Card ( Goldman Sachs ) and their refusal to grant a credit line increase despite my consistent and substantial payments.

I have never missed payments, aside from one disputed past due instance caused by their own system error.

I have repeatedly paid off balances between {$7000.00} and {$40000.00} in full, demonstrating strong repayment capacity.

Despite this, Apple continues to deny me increases and penalizes me for a single alleged late mark that I dispute.

This practice is unfair, algorithmic, and punitive. It does not reflect my actual payment history or creditworthiness. I request that the CFPB investigate Apple/Goldmans risk modeling and consider requiring them to provide transparent, human-reviewed credit increase evaluations. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-09-11 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 am submitting a follow up complaint because, upon reviewing my credit report, I identified several accounts that are inaccurate, unverifiable, or reported in a manner inconsistent with my records. These inaccuracies have caused unnecessary stress and are affecting my financial standing. Under the Fair Credit Reporting Act, I have the right to an accurate credit report. Specifically, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to maintain reasonable procedures to ensure maximum accuracy, FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) gives me the right to dispute inaccurate information, and FCRA 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ) governs the reporting responsibilities of furnishers. 
XXXX account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00}, is reported as a charge-off. This account can not be verified, and its reporting appears to violate FCRA 605B ( 15 U.S.C. 1681c-2 ) and 611 ( a ). The information is inconsistent with my records, and I request it be removed unless fully verified.

Several accounts are reported as charge-offs without proper documentation, including IRS XXXX XXXX compliance for debts over {$600.00}. These include XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$6000.00} * * and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3800.00} XXXX XXXX. These entries appear to be reported without sufficient verification, violating FCRA 607 ( b ). 
Finally, a repossession is reported on my account XXXX XXXX XXXX XXXX  XXXX {$24000.00} XXXX XXXX which I can not verify. This reporting is inaccurate and appears inconsistent with my records. Its reporting seems to violate FCRA 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), FCRA 605B ( 15 U.S.C. 1681c-2 ), and 611 ( a ).

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 2025-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
They were advertising in my specific credit karma account based off of my credit report, vehicle and current terms, that they wanted to refinance my auto loan for a specific term, amount and interest rate. It gave a list of terms to choose from and I selected one to accept and applied. We were told after the fact that a {$9000.00} down payment would be needed and the application was canceled by them. There is now a hard inquiry they refuse to remove on my report. They had every detail of info upfront and offered terms based on that info. It was very deceptive. I would have never applied if I knew they would do all that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: SC

Complaint narrative:
I am submitting this follow-up complaint regarding my credit reports with Experian, Equifax, and TransUnion. My reports continue to contain inaccurate, unauthorized, and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ). I respectfully request the Consumer Financial Protection Bureaus assistance in ensuring these errors are investigated and corrected. 
Inaccurate Personal Information My Experian report contains addresses that do not belong to me : XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
These addresses are inaccurate and should not appear in my credit file.

Under FCRA 609 ( a ) ( 1 ), I have the right to know what identifying information is reported.

Under 611 ( a ) ( 1 ) ( A ) and 607 ( b ), the credit bureaus must ensure accuracy and remove unverifiable data. 
Several charge-off accounts are misreported or unverifiable. These include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Some of these accounts inaccurately report balances above {$600.00} without proper IRS Form 1099-C documentation.

This violates FCRA 605B, 607 ( b ), and 611.

Collection Accounts My reports list collection accounts that contain errors in balance, ownership, and status. These include : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX These entries are inaccurate and unverifiable.

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not report information they know is inaccurate.

Under 611 and 605B, I have the right to dispute and block such items.

Unauthorized Inquiries My reports contain numerous inquiries that I did not authorize, and which lack a permissible purpose. Examples include : XXXXXXXX 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 And many more, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others ( full list attached ). 
These inquiries lack permissible purpose under FCRA 604 ( a ) ( 3 ).

Under FCRA 609 ( a ) ( 1 ) and 611, I have the right to full disclosure and removal of unverifiable inquiries.

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 2025-09-11 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: GA

Complaint narrative:
I was trying to purchase a vehicle when I was notified of the delinquent accounts on my credit and that's when I reported them. I requested to have them removed, but nothing has happened yet and this was in XXXX. I am requesting they get removed immediately to prevent further action from myself to litigate this error on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : 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 2025-09-11 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation