vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I won an XXXX XXXX gift card with a pre-paid {$500.00} from my employer XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX which was initially processed/purchased XX/XX/year>. 

I activated the card XX/XX/year> at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX in order to pay for a meal. The restaurant was unable to use the card, so I used my own credit card ( processed XX/XX/year> ). 

On XX/XX/year>, there were 7 charges made to the account at XXXXXXXX XXXX to a merchant in XXXX, IL listed on the balance as IN * XXXX XXXX - XXXX XXXX. These amounts were for {$60.00}, {$90.00}, {$60.00}, {$70.00}, {$60.00}, {$90.00}, {$70.00}. 

On XX/XX/year>, I attempted to use the {$500.00} balance on another transaction ( XXXX XXXX ) which I was not able to process. I then opened the balance and noticed the charges. I then attempted to contact the merchant listed on the charges ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) to request reimbursement but they told me that they had received multiple similar calls of gift card balances being stolen, and claimed that their name had just been used to hide the transactions only and suggested contacting XXXX XXXX directly. 

On XX/XX/year> I submitted a dispute with the gift card company through the XXXX XXXX provided documentation ( InComm Dispute Resolution/Gift Card Researc ). After explaining the situation, they opened a dispute case ( XXXX ). 

On XX/XX/year>, they notified me that they declined the dispute and would be closing the case, without further information. I immediately responded requesting more information why this was declined. On XX/XX/year> ( whilst I was out of the country and unable to pursue the matter further at the time ) they said ; " If you provide your card information to a third party by phone, website, email, in person, or by other means, we will treat this as if you have authorized any related use, and you will be liable for all transactions incurred. After a thorough review of your account, we have determined your Card information was provided by you to a third party to complete the transactions in questions, and therefore, no credit will be issued ''. 

The company has not provided any subsequent response when I contested this ( in my original dispute I noted that the card as never once left my possession and I only noticed the charges when attempting to complete another charge ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TN

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 non-monetary relief
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
I am submitting this complaint against the three major credit bureausExperian, XXXX, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and XXXX  Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX  Balance : {$100.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : {$1000.00} Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX, and XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

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 2025-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-17 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: MI

Complaint narrative:
My information was a part of a data breach and my credit profile was coincided with another person with the same name as me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: MI

Complaint narrative:
My information was a part of a data breach and my credit profile was coincided with another person with the same name as me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-07-17 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: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX [ XXXX Last XXXX Digits : XXXX [ Date of Birth : XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  To : Experian | XXXX XXXX  XXXX| XXXX, TX XXXX Equifax | XXXXXXXX XXXX XXXX| XXXX, GA XXXX TransUnion | XXXX. XXXX XXXX | XXXX, PA XXXX RE : Dispute of Inaccurate Late Payment Reporting XXXX  XXXX - {$2000.00} To Whom It May Concern, I am writing to formally dispute and request the permanent deletion of all late payments reported under the account name XXXX  XXXX from my Experian, Equifax, and TransUnion credit reports. 
Pursuant to 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Additionally, 15 U.S.C. 6802 prohibits the unauthorized disclosure and mishandling of consumer financial data. Further, under 15 U.S.C. 1666b, billing statements must adhere to proper timeframes before adverse actions are taken. 
XXXX XXXX has failed to provide documentation showing that these late payments were accurately reported, timely billed, and properly verified. As such, I demand all late payments associated with this account be permanently removed from all three of my credit reports. 
Please provide written confirmation of the deletion once the reinvestigation is complete. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
I have been trying for months to correct the errors on my credit report. My creditworthiness is extremely important to me, and these inaccuracies have caused serious harm to both my financial opportunities and emotional well-being. Despite my repeated requests and complaints, the issue remains unresolved, and my concerns continue to be ignored or disregarded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: CITIBANK, N.A.
State: MO

Complaint narrative:
I am submitting this complaint because Citi Retail Services has reversed previously credited fraudulent charges on my Best Buy credit card account, without providing evidence, justification, or investigation transparency. The initial credits were issued after I reported fraudulent activity on two Citi Best Buy accounts ( ending in XXXX and XXXX ). However, Citi later re-charged me for many of these transactions, citing generic reasons such as " chip-read '' or " XXXX tokenization '' as the basis for reversal. 
Citi has failed to provide : Any merchant documentation supporting the reversal Any forensic investigation reports or fraud analysis Any transparency into their decision-making process In addition, Citi closed my account in retaliation for reporting fraud. I was not notified or given an opportunity to appeal the closure. Despite making continuous automatic payments to preserve my credit, I am being held financially responsible for unauthorized transactions.

What is new or different about this complaint? 
This submission includes : A resubmitted FTC Identity Theft Report ( # XXXX ) Confirmation of a pending police report filed XX/XX/year>, with XXXX XXXX XXXX Police A new, comprehensive rebuttal letter outlining legal, regulatory, and technical issues A draft legal complaint prepared with counsel ( XXXX XXXX XXXX ) identifying violations of the Fair Credit Billing Act, Regulation Z, and Missouris Merchandising Practices Act These new documents provide further evidence that Citi has not met its burden of proof in affirming the legitimacy of these transactions.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The Experian login process is impossible, if your login is locked due to too many failed login attempts. The phone system is completely automated and won't allow contact with a human agent for login issues. It only gives instructions to reset the password, but during that process it stops and says to call them, which does no good.

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 2025-07-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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 submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX MA XXXX 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

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: NE

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint and request assistance regarding a student loan that is currently being reported on my credit report, which I believe should be in deferment status due to my XXXX XXXX XXXX  service. 

Back in XX/XX/2025, I submitted a complaint to the CFPB regarding a student loan connected to XXXX XXXX XXXX  and managed by the XXXX  XXXX XXXX XXXX ( XXXX ). I explained that I was on XXXX XXXX XXXX  service and was requesting for the loan to be deferred in accordance with my rights under the Servicemembers Civil Relief Act ( SCRA ). 

Following that submission, I was contacted and asked to provide my official XXXX  orders as proof of my XXXX. On XX/XX/, I emailed my XXXX  orders to the XXXX XXXXXXXX XXXX XXXX, as requested. I have timestamped screenshots of both the email I sent and the message where they requested the orders. 

After receiving no response, I followed up with XXXX on XX/XX/, asking if any additional documentation was needed. A few days later, I received a reply saying that no further documents were needed and that I would be contacted once a decision was made. 

Since then, I have not received any further communication from them. Despite having submitted the requested XXXX  documentation and following up in good faith, no action has been taken on my account, and I have been expected to continue making payments. As a result, this loan is still negatively impacting my credit, despite my XXXX  XXXX  status and timely attempts to resolve the matter. 

I am requesting that the CFPB step in again to ensure that the XXXX  XXXX XXXX XXXX honors my deferment request as required by law. I also ask that they update the credit reporting accordingly to reflect that the loan should have been in deferment since the date my XXXX  service began. 

I am happy to re-provide all documentation, including : My original XXXX  orders Screenshots of the emails sent on XX/XX/XXXX and XX/XX/XXXX Screenshots of their response The loan account information I appreciate your assistance in helping resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: NM

Complaint narrative:
There are XXXX accounts with XXXX XXXX XXXX XXXX that were supposed to have been removed by XX/XX/year> from my credit report. The accounts still remain. I have filed disputes with Experian, TransUnion and Equifax but to no avail. The reporting agencies have not removed these accounts that are over XXXX years old.

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 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
I am submitting this complaint regarding XXXX unauthorized transactions totaling {$240000.00} on my Goldman Sachs Apple Card account. These transactions were not made, authorized, or benefited from by me, and were reported in good faith. Despite numerous communications and evidence submissions, Goldman Sachs continues to deny these claims without conducting or documenting a proper investigation. 
Goldman Sachs written responses have not included any investigative findings, as required under Regulation E ( 12 CFR 1005.11 ). Their denial appears to rely solely on the use of chip-read, PIN, or tokenized XXXX as sufficient evidence of validity, which contradicts CFPB and network guidance. 
I have provided multiple formal notices : A newly submitted FTC Identity Theft Report ( # XXXX ) on XX/XX/year>. 
A Fraud Complaint Packet submitted to the XXXX XXXX XXXX Police Department, currently pending case number. 
Security breach alerts from XXXX and XXXX, confirming my personal credentials have been compromised. 
All evidence was resubmitted in XX/XX/year>, including an updated transaction list. 
Goldman Sachs retaliated by closing my account with no notice, which I believe may violate the Equal Credit Opportunity Act and constitutes unfair retaliation under federal law. Their responses remain generic, automated, and lack regulatory substance.

Company response to consumer: Closed with explanation