vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
On or about XXXX XXXX, XXXX  at approx. XXXX XXXX my wife and I were trying to cast from my android phone to our XXXX television. XXXX XXXX XXXX XXXX was the app. I downloading from the XXXXXXXX XXXX XXXX. After trying to get it to work for XXXX minutes, we gave up, cancelled the service and deleted the app. Before deleting the app I was given a notice that, " deleting this app. will result in the loss of this service ''. Since the service didn't work, deleting it would not be detrimental. 

I got billed {$29.00} on XX/XX/XXXX. When I received my credit card bill, I called to dispute the charge and American Express said I had to go to " XXXX XXXX '' to dispute the charge there. I could not find the app. on this site. 

American Express said I couldn't dispute the charge without proof from XXXX that I had cancelled the service under the free trial period. I never received anything from XXXX verifying the app. purchase or the cancellation. American Express told me then that I couldn't do anything without it. 

I can not be the only person that this has happened to. This appears to be blame on both XXXX and American Expresses part. I have spent over an hour of my time trying to get something done that I was not at fault. I feel I should be compensated for my time and XXXX and American Express should not be allowed to charge people this way with no recourse unless you are willing to devote hours of time to correct the situation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Date : XX/XX/year> LVNV Funding LLC c/o Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX Re : Account Nos. XXXX & XXXX Debt Validation This letter serves as formal notice that I dispute the above accounts. Please provide validation as required by FDCPA 1692g.

Specifically provide : Original signed agreement Proof of assignment for each account Itemized accounting Date of first delinquency Any continued reporting without validation constitutes willful noncompliance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
My federal student loans were transferred to Aidvantage without effective notice. I did not receive adequate notification of the transfer or payment requirements. As a result, payments were missed and derogatory credit marks were reported inaccurately.

I have requested retroactive administrative forbearance and correction of all credit reporting related to the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to dispute several items on my credit report that are inaccurate or incomplete, as detailed below. These discrepancies are affecting my creditworthiness, and I request that these items be thoroughly investigated and corrected.

Charged-Off Accounts : XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX LATE PAYMENTS XXXX  Account Number : XXXX XXXX ( Appears on XXXX, XXXX, and TU )

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 2025-12-15 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian is reporting a dismissed bankruptcy on my credit report and has made claim that they verified the bankruptcy with the XXXX XXXX XXXX XXXX Bankruptcy court. I have reached out to the XXXX XXXX XXXX XXXX bankruptcy court and they provided me information stating that they do not report or validate any information with any credit bureaus including XXXX, Experian and XXXX  nor 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 2025-12-15 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: PR

Complaint narrative:
XXXX I, XXXX XXXX, have been disputing my XXXX XXXX  account, XXXX, for approximately five months, and all this time I have been ignored. I have been reading quite a bit about this E-OSCAR system, and in my experience, this system is designed against the consumer. All these disputes are converted into numerical codes and transmitted to the creditor, whose " investigation '' simply consists of searching for an account to find a " match. '' The agency 's investigation process does not meet most of the tests required to be considered " reasonable. '' In reality, the agency 's verification method is : Automated Without intervention Carried out as quickly and cheaply as possible Designed in such a way that it doesn't actually verify anything. I have decided to contact you because, in all past disputes, this bank never investigated anything ; they provided automated and pre-packaged responses. My rights have been violated. All of this has been detrimental to me and my family, as I am the one who supports them. I have also noticed that I am spending too many hours a day thinking about this problem. My psychologist has warned me and guided me on how to handle this matter. 

The account is XXXX XXXX, and there is a fraudulent charge on the balance of this account. I await your prompt response to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: PR

Complaint narrative:
XXXX I, XXXX XXXX, have been disputing my XXXX XXXX  account, XXXX, for approximately five months, and all this time I have been ignored. I have been reading quite a bit about this E-OSCAR system, and in my experience, this system is designed against the consumer. All these disputes are converted into numerical codes and transmitted to the creditor, whose " investigation '' simply consists of searching for an account to find a " match. '' The agency 's investigation process does not meet most of the tests required to be considered " reasonable. '' In reality, the agency 's verification method is : Automated Without intervention Carried out as quickly and cheaply as possible Designed in such a way that it doesn't actually verify anything. I have decided to contact you because, in all past disputes, this bank never investigated anything ; they provided automated and pre-packaged responses. My rights have been violated. All of this has been detrimental to me and my family, as I am the one who supports them. I have also noticed that I am spending too many hours a day thinking about this problem. My psychologist has warned me and guided me on how to handle this matter. 

The account is XXXX XXXX, and there is a fraudulent charge on the balance of this account. I await your prompt response to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR 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 2025-12-15 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: MD

Complaint narrative:
This is a followup complaint to my previous complaint # XXXX. 

I have disputed an unauthorized transaction on my Apple Card ( issued by Goldman Sachs ) for over 6 months. Goldman Sachs has issued ( and then subsequently revoked ) temporary credit 5 times, each time promising to investigate the issue. Each time they closed the investigation without providing either credit or ANY information substantiating the transaction. Now they have closed the investigation claiming that I requested the closure- which never I did. 

Basically while I was traveling in XXXX, my Apple Card was charged for a transaction in a town I never visited, at a Vendor who was unidentified at an address which was unidentified, for a product/service that was unidentified. When I asked Goldman Sachs for the identifying information ( 5 times ) they refused to furnish it and merely stated that they had investigated and found the transaction valid. The Goldman Sachs dispute case # s ( they kept changing/adding new numbers ) are XXXX, XXXX, XXXX, XXXX, XXXX. 

Despite being fined by CFPB in XXXX  for failure to properly handle customers complaints reqarding unauthorized charges Goldman Sachs continues to fail to do so. I urge CFBP to reopen its investigation compel Goldman Sachs to meet the requirements of Regulation Z regarding unauthorized credit card charges, as well as compelling them to cancel the unauthorized charge on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
After disputing, Experian continues to report accounts on my credit file that are inaccurate, unverifiable, and reporting without permissible purpose. The reporting of this false information is a violation of my rights under the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires consumer reporting agencies to maintain only accurate and verifiable information. Please see attached documents with each account listed.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Information under FCRA 15 U.S.C. 1681i Dear Experian, I am writing to formally dispute inaccurate information contained in my credit report, as provided to me by Experian. Pursuant to my rights under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i * *, I request an immediate reinvestigation of the following item ( s ) : - * * Creditor/Account Name : XXXX XXXX XXXX - * * Account Number : XXXX - * * Nature of Dispute : The account has a XXXX balance and is not delinquent. The account is closed and should not be negatively impacting your report. The account is no longer active and should be removed. The bureau is showing late payments or balance due, dispute that as inaccurate. Requesting as a good in faith of fulling paying off account that it be completely removed.

- * * 15 U.S.C. 1681i ( a ) ( 5 ) : * * Requires Experian to promptly delete or modify inaccurate, incomplete, or unverifiable information.

- * * 15 U.S.C. 1681i ( a ) ( 6 ) : * * Requires Experian to provide written notice of reinvestigation results, including a revised credit report, within 30 days.

- * * 15 U.S.C. 1681i ( b ) ( 3 ) : * * Requires Experian to include a description of the procedure used to determine accuracy, including the business name, address, and telephone number of any furnisher contacted.

1. Conduct a reinvestigation of the disputed item ( s ).

2. Delete or correct any information found to be inaccurate, incomplete, or unverifiable.

3. Provide me with written confirmation of the results, including a free updated copy of my credit report.

4. Provide a description of the procedure used in your reinvestigation. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
I filed a police report on XX/XX/year> when I became aware of fraudulent charges, and inquires using my SSN were being posted on my credit report. I bank with XXXX and XXXX exclusively, these are the only two banks I've used my entire life, and XXXX at the time provided a service through XXXX that would notify me of any changes in my credit score. I filed the police report, froze my credit at all three credit bureaus, contacted every single bank, Including OneMain Financial several times in XXXX  to close these accounts and start an investigation into them so they could be removed from my credit report and all balances would be no longer associated with my SSN. I received official notice on a letter dated XX/XX/year> that OneMain deemed my dispute unfavorable and that the fraudulent account is associated with me and therefore the debt owed by me. This was not a thorough investigation, I will redispute this letter and expect Onemain to come to sensible conclusion that the account was not opened by me, and I have not benefited from the transactions for even one second.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX from Salesperson XXXX XXXX. I was pressured into trading in my XXXX XXXX XXXX due to needing to be able to get a mortgage. I was a recently divorced, XXXX XXXX XXXX XXXX and had no idea what I was signing. When I went into the Finance Office, the Manager told me it was not a good deal with the imgterest rate that I was getting but that in 1 year I could refinance the 12.39 % interest rate from Wells Fargo. 

When I went to Wells Fargo, a Finance Manager in the branch told me these terms were from Wells Fargo and the paperwork XXXX XXXX had me sign actually bordered on criminal but she was sorry Wells FArgo does not offer Auro refinancing. 

So, I traded in the XXXX which had a much higher value than the XXXX then put down a {$6000.00} deposit - these numbers plus the {$22000.00} I have paid trough the loan, I have more than fairly dished out money for a car that was/ is falling apart. I can not afford those repairs and could not get the dealership to help me/ take responsibility for the wrongdoings. 

The XXXX has tens of thousands of dollars quoted to me for all of the electrical repairs including the sun roof not working, Warning lights always going on and not able to repair and now the engine died which supposedly had a warranty but it seems the XXXX XXXX XXXX XXXX is some kind of a scam. Also, when I initially bought the XXXX, XXXX was surged me it had XXXX XXXX which it does not and refused to take responsibility for that as well. 

When I spoke with XXXX in the Finance Department I returned the vehicle to XXXX XXXX, removed the plates, cancelled my insurance and told them it is returned.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: MI

Complaint narrative:
My loan was transferred to XXXX XXXX. I have paid into my escrow account to where as the company owes me back a payment. The check is {$160.00}. It was printed XX/XX/XXXX I have yet received it. I have called 3 times to find out whats going on. I was told a manager will reach out to me, still no call from upper management. If I am 1 day late, they know how to collect a late fee, and call me constantly when I explained previously the payment would be late. I sick of them

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 2025-12-15 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-15 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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