vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: TX

Complaint narrative:
Subject : Complaint Against Goldman Sachs ( Apple Card ) for Fraudulent Dispute Handling and Embezzlement To Whom It May Concern, I am filing a formal complaint against Goldman Sachs and Apple Card regarding their mishandling of my dispute and what appears to be fraudulent behavior in their chargeback and dispute resolution process. 
Background of the Issue : I filed a dispute with Apple Card XXXX Goldman Sachs ) regarding a transaction on XX/XX/year>, with the merchant AliExpress for {$60.00}. 


Initially, Apple Card informed me that disputes are unlimited and that I was responsible for paying the disputed amount. 


Simultaneously, Apple Card issued a chargeback to the merchant but did not return the disputed funds to me, effectively embezzling the full dispute amount. 


Unethical Reopening of the Dispute and Cover-Up Attempts : After my initial complaint, Apple Card reopened the dispute without my permission in an apparent attempt to cover up their mishandling of the chargeback process. 


Due to Apple Cards actions, the merchant refused to provide a return shipping label, as they had already been charged back.

Now that the case was reopened, Apple Card allowed the merchant to receive the disputed amount back, yet I was left with no return option as the merchant refused to accept the product back after 90 days.

Apple Card then informed me that my dispute failed, forcing me to pay for an item I was initially refunded for, but could no longer return due to Apple Cards mismanagement.

Complaint and Request for Action : Goldman Sachs ( Apple Card ) is engaging in fraudulent double-dippingcharging customers while simultaneously charging back merchants and withholding funds. 


Their actions have directly resulted in my financial loss and made it impossible for me to return the product. 


The banks poor management, intentional delay tactics, and deceptive practices must be investigated. 


I demand : A full refund of {$60.00}, as I was unfairly forced to pay for an item I could no longer return due to Apple Cards mismanagement.

An investigation into Goldman Sachs handling of disputes to determine if this is part of a systemic fraud scheme.

Accountability for Apple Cards unethical practice of reopening disputes without customer consent to manipulate financial records and avoid liability.

I am prepared to escalate this matter further, including seeking legal options if necessary. I expect a timely response and resolution. 
Sincerely, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-02 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: DC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-02 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: DC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NJ

Complaint narrative:
Im writing to request that you thoroughly review the account listed on my credit report and certify that all the data associated with it accurately belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. TRANSUNION XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX has violated my XXXX, XXXXXXXX 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 XXXXXX/XX/XXXX has violated my rights. 
I looked at my TransUnion XXXX XXXX credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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 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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX , a resident of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : 1- Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXXXXXX  Current Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX 2- Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
3- Attached Documentation : I have attached the following documents to verify my identity and process my request : a. A copy of my drivers license or government-issued ID.
b. A copy of a recent utility bill or bank statement confirming my current address.

c. A copy of my Social Security Number. 
4- Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
5- Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED XXXX XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: MD

Complaint narrative:
The purpose of this comolaints to discuss the correlation of events that led to the damage of my Mercedes Benz XXXX XXXX ( XXXX XXXX ) on approximately XX/XX/XXXX. 
On that date an employee of XXXX XXXX XXXX XXXX XXXX came to my home at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and dragged my vehicle while repossessing. I contacted Mercedes Benz Financial who advised me of the redemption amount and where it was located. On XX/XX/XXXX I sent a cashier 's check via the next day in the amount of {$4100.00}. On XX/XX/XXXX I then wired an additional {$2900.00}. I kept constant communication with the skip agent ( see attachment ). On XX/XX/XXXX on a recorded line as specified by the agent, I was advised that my car should not have been repossessed. That balances under a certain threshold go to collections and that a " glitch '' in the system did not remove it from repossessed status. She then advised me that my car would be returned. On XX/XX/XXXX my car was returned to my home and immediately I noticed it looked different. The back was full of rocks on the hitch and the car looked unstable. On XX/XX/XXXX I reached out to the original agent ( ironically I can't get in touch with her anymore ) and a gentleman initially attempted to place ownice on me. He then conferred with " leadership '' and advised XXXX " has insurance for these types of things and to report these damages to them. 
Once I had the finances I had it towed to XXXX XXXX on XX/XX/XXXX where there listed the following ; GOOD EVENING, WHILE DOING YOUR OIL CHANGE WE NOTICED SEVERAL PARTS ON YOUR XXXX ARE DAMAGED. 

HERE IS A LIST IF ITEMS THAT NEED TO BE REPLACED DUE TO IMPROPER TOWING : FRONT SWAY BAR AND LINKS ( DAMAGED ) FRONT LEFT AND RIGHT LOWER CONTROL ARMS LOWER ENGINE PAN ENGINE AND RADIATOR BOTTOM COVERS ARE BROKEN. 


IF YOU HAVE ANY QUESTIONS PLEASE FEEL FREE TO REACH OUT. 

THANK YOU, XXXX XXXX XXXX XXXX XXXX At this juncture what is the next course of action from XXXX and Mercedes Benz Financial. I know I am dealing with two separate issues but the primary issue is to repair my vehicle that was not supposed to be picked up, if it was it wouldn't have been returned. I look forward to your timely response and enjoy your XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-04-02 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-02 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: AZ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: BMO BANK NATIONAL ASSOCIATION
State: NC

Complaint narrative:
BMO bank is predatorily ( word? ) refusing to publish account statements on their website so it is exponentially difficult to keep track of information for tax purposes. I know this sounds crazy... a BANK that doesn't provide statements???? Yup. And if you call one of their agents on the phone they are instructed to refuse to send statements to customers. I am not sure what the benefit to BMO is in refusing information about loans to customers, however I am SURE it is predatory and is likely a psychological move allowing customers to pay online, but not be able to se the details of their loan. I requested information in the past, and I had to have the CFPB force BMO to send me the info. They did, so they can. Can someone at your office please follow up on this and explain to me the legality of not allowing customers to see information about their loan. ( P.S. some BMO customers CAN see their information, so it is not a company wide problem. It is targeted at certain loan types ) Please follow up with 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 non-monetary relief
Consumer complaint received 2025-04-02 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally dispute inaccuracies I have identified on my credit report concerning the payment history for two of my creditors, Citi and XXXX. 

XXXX - XXXX XXXXXXXX XXXX : The credit report inaccurately states that my account was 30 days past due in XX/XX/XXXX and XX/XX/XXXX. Additionally, there is an inconsistency regarding the agreed monthly payment amount. My agreement specifies a monthly payment of {$63.00} ; however, the XXXX statements incorrectly reflect a monthly payment of {$84.00}. After a thorough review of my past statements and a phone confirmation with XXXX, I have verified that I have never been 30 days past due on any payment, and the correct monthly payment amount is indeed {$63.00}, contrary to what the billing statements indicate. 

Citibank XXXX : My account is incorrectly reported as being 30 days past due in XX/XX/XXXX. I have confirmed through both a phone call and a review of my past statements that I have never been 30 days past due on a payment. 

I request that these inaccuracies be investigated and corrected promptly.

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 2025-04-02 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Reference XXXX I do not owe this debt. I didnt know anything about the damage. The neighbor across the street backed up and hit the truck. I wasnt aware of it or around. The damages that enterprises sent was more damages than I saw it. I Found out a member in the house used the car to back out the drive way to park on side of the house without my permission at all. The neighbor backed up into them and scraped the car. When police was contacted the member didnt have license and they told them it was a rental car. The police had car towed. When it was at the house. When I found out I contacted enterprises and told them what happen. Enterprise car rental went to pick up the car. Then I got this bill of {$3400.00}. I told them Im not paying that. I havent heard back from them until now. Im disputing this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
MB Financial Services is reporting a charge-off on my credit report in the amount of {$13000.00}. I disputed this account directly with both the company and the credit bureaus and requested proper verification, including a signed contract and full payment history. To date, MB Financial Services has not provided legally sufficient documentation to support the reporting of this debt. 

Under the Fair Credit Reporting Act ( FCRA ), all information must be accurate, complete, and verifiable. This charge-off remains on my credit report despite not being properly verified. Its continued reporting is harming my credit profile and may constitute a violation of FCRA Sections 611 and 623. 

I am requesting that this unverifiable account be permanently removed from my credit report and that the company cease all inaccurate or incomplete reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without 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 2025-04-02 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: FL

Complaint narrative:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

Company response to consumer: Closed with non-monetary relief