vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
I am submitting this complaint regarding my Apple Card account issued by Goldman Sachs Bank USA. I accepted a written settlement offer and submitted full payment of {$280.00} on XX/XX/year>2025, which was confirmed by Apple in writing as the final payment due under the payment plan. 

To confirm and document the account closure for my personal financial accounting records, I sent a written letter via XXXX on XX/XX/year>2025. I opened the letter by stating I recently completed a settlement payment on my Apple Card account with the final payment of {$280.00} submitted on XX/XX/scrub> 2025. I am writing to request the following documentation for my records : XXXX ) Written confirmation that the account has been settled in full XXXX ) The total amount that was forgiven as part of the settlement agreement XXXX ) Any final documentation that reflects the closure or update of the account XXXX ) Confirmation of what status will be reported to the credit bureaus Instead of receiving confirmation of the settlement agreement, I was emailed on XX/XX/scrub> 2025 stating your dispute has been investigated and subsequently received a debt validation packet in the mail. At no point did I mention the word dispute or debt validation request in my letter. I followed up again in writing on XX/XX/scrub> 2025 to clarify that I was not disputing the debt, I was simply requesting documentation following full payment of the settlement agreement. 

After receiving the debt validation packet, I have now received XXXX automated collection emails ( XX/XX/XXXX & XX/XX/XXXX ) stating I still owe a balance of {$280.00}. 

This suggests that either : XXXX ) My account has not been properly updated to reflect the settlement XXXX ) Or my letter was incorrectly classified as a dispute, which may have caused the account to remain open or the settlement to be voided without any written notice I included a full correspondence history with this complaint for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: MD

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. XXXXn, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: OK

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-10-13 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: SC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX - XXXX * * * * * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/year> CAP XXXX NA - XX/XX/XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NY

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: MI

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
Consumer complaint received 2025-10-13 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: IN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-10-13 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: IN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a direct dispute to XXXX Bank, XXXX. under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ) on XX/XX/year> regarding inaccurate and incomplete reporting on account number ending in XXXX. 

In my dispute, I provided detailed information and requested verification of late payment reporting and supporting records. 

XXXX previously sent me a response dated XX/XX/year>, that was incorrectly addressed to another individual ( Dear XXXX XXXX ), demonstrating a failure to properly handle my case. 

Despite my written follow-up and FCRA request XXXX XXXX has not responded within the XXXX timeframe required by federal law. 

I am requesting that the CFPB investigate this matter and require XXXX to : Provide proper verification and documentation for all late payments being reported ; or Delete any unverifiable or inaccurate data from all consumer reporting agencies. 

I am attaching both letters for reference ( my XX/XX/year> FCRA dispute letter and PNCs XX/XX/year> response ).

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 2025-10-13 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section XXXX. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section XXXX. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: AutoMoney, Inc.
State: SC

Complaint narrative:
Illegal repossessed in private driveway and and would not accept form of payment

Company response to consumer: Untimely response
Consumer complaint received 2025-10-13 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX  - XXXX * * * * * * * XXXX FRAUDULENT INQUIRIES : XXXX OF XXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX NA - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 2024

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 2025-10-13 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: GA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: TN

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I maintain an account with XXXX  XXXX XXXX. On XX/XX/year>, I submitted a withdrawal request to transfer Bitcoin from my account to my personal hardware wallet. XXXX  has refused to process the withdrawal. 

Instead, I am being asked repeated questions about the destination address and purpose of the transfer, but no regulatory or contractual reason has been given for denying me access to my funds. 

I am concerned that XXXX  is restricting access to my property and not honoring its obligations to safeguard customer assets and allow withdrawals. 

Requested Resolution : Immediate release of my Bitcoin to my self-custody wallet and confirmation that my ability to withdraw will not be improperly restricted in the future. 

Supporting Information : XXXX Account Email : XXXX Date of Withdrawal Attempt : XX/XX/year> Amount of XXXX : XXXX XXXX ( XXXX XXXX XXXX ) Destination Wallet : Hardware wallet under my sole control

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: CT

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 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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
This account should have been deleted under the 2020 multistate Attorney General settlement with Santander Consumer USA. They have failed to honor that obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
On XX/XX/year> at approximately XXXX a representative from the contact center verified the account and was given XXXX on hold to review the nature of my call as I received a XXXX email requesting to contact the company at the provided telephone number. During my explanation I was frustrated due to the email chains lack of due diligence as I had already submitted the initial email providing a copy of the latest bank statement, proof of INVOLUNTARY TERMINATION via state pending determination benefits. OVER talking me- the representative couldn't understand what I already advised and I wanted him to send me to the appropriate manger to assist and the representative failed to do so by telling me to have a good day and disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have identified collection accounts on my credit report that appear to contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that is accurate and verifiable. I am requesting that these accounts be reviewed, and if they can not be confirmed as accurate, they should be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am filing this complaint regarding multiple unauthorized hard inquiries that appeared on my credit reports with Experian, TransUnion, and Equifax. I contacted each credit bureau several months ago to dispute these inquiries and requested written responses, but I have not received any resolution. 

The following inquiries were made without my authorization : TransUnion : XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ) Equifax : XXXX XXXX XXXX XXXXXX/XX/XXXX ), XXXX ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) Experian : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) I have never applied for credit with these institutions on those dates and did not authorize these inquiries. Despite following proper dispute procedures, the credit bureaus have not removed them or provided written explanations within the timeframe required under the Fair Credit Reporting Act ( FCRA ). 

I am requesting the CFPBs assistance to ensure the credit bureaus comply with federal law by investigating and removing these unauthorized inquiries and providing confirmation in writing.

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 2025-10-13 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I am filing this complaint regarding multiple unauthorized hard inquiries that appeared on my credit reports with Experian, TransUnion, and Equifax. I contacted each credit bureau several months ago to dispute these inquiries and requested written responses, but I have not received any resolution. 

The following inquiries were made without my authorization : TransUnion : XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ) Equifax : XXXX XXXX XXXX XXXXXX/XX/XXXX ), XXXX ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) Experian : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) I have never applied for credit with these institutions on those dates and did not authorize these inquiries. Despite following proper dispute procedures, the credit bureaus have not removed them or provided written explanations within the timeframe required under the Fair Credit Reporting Act ( FCRA ). 

I am requesting the CFPBs assistance to ensure the credit bureaus comply with federal law by investigating and removing these unauthorized inquiries and providing confirmation in writing.

Company response to consumer: Closed with explanation