vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX is reporting inaccurate information on XXXX XXXX, and TransUnion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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.

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX balance {$410000.00} Account Number XXXX Date Opened XX/XX/XXXX XXXX BANK Original Balance {$15000.00} Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} Account Number XXXX Date Opened XX/XX/XXXX 2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: WV

Complaint narrative:
Spring oaks capital keeps calling multiple times a day never leaving messages but calling from multiple different numbers from XXXX they was asked to quit calling and now they are calling XXXX when my newborn is sleeping.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Was made aware of a business account using my ss #. I requested that account be closed immediately and investigation to find out how and who did this. didn't not want to be held responsible for any monies or lack of or any transactions in or out this account. Whoever opened this account did it with out my knowledge and consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I presume 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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am being contacted regarding an alleged debt. I requested validation under the Fair Debt Collection Practices Act, but they failed to provide documentation proving I owe the debt ( such as the original creditor, itemized statement, or signed agreement ). Despite this, they continue collection efforts and/or credit reporting. I am requesting CFPBs assistance in having the collector either validate the debt properly or cease all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER 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 2025-09-24 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: GA

Complaint narrative:
My credit report shows a charge-off from XXXX XXXXXXXX XXXX XXXX XXXX ), account XXXX XXXX XXXX XXXX XXXX XXXX, that is inaccurate and unverifiable. 

Details The account is reported as a charge-off. 

I have disputed this account with the credit reporting agencies ( CRAs ) and requested verification under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 604, 609, 611 ). 

XXXX and the XXXX have not provided a valid signed contract, original agreement, or full accounting to prove that this debt is accurate, enforceable, or legally reportable. 

Without such documentation, the continued reporting violates both the FCRA ( duty to ensure maximum possible accuracy ) and principles of contract law ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which require valid consent and enforceable agreements. 

Why This Violates the Law FCRA 604 : Requires permissible purpose for reporting. Without a contract or application, no such purpose exists.

FCRA 609 ( a ) : Grants me the right to see all documentation used in verification none has been provided.

FCRA 611 ( a ) : Requires deletion of any information that can not be verified.

FCRA 616617 : Establishes liability for damages caused by inaccurate or unverified reporting.

Harm Caused This charge-off has lowered my credit score and impaired my access to fair credit.

Continued reporting of unverified negative information is misleading and damaging. 

XXXX Requested Remove the XXXX charge-off account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit file. 

Provide written confirmation that this account has been deleted and will not be reinserted unless full proof is obtained, per FCRA 611 ( a ) ( 5 ). 

Ensure corrected information is sent to all parties who received my credit report within the last XXXX months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
Good morning my name is XXXX XXXX, Im filing for Identity theft for these fraudulent accounts that are reporting on my credit report. I need these accounts blocked and removed in 4 days in pursuant to FCRA 605B ( 15 U.S.C 1681 C-2 ) my identity theft report number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-24 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: CA

Complaint narrative:
Good morning my name is XXXX XXXX, Im filing for Identity theft for these fraudulent accounts that are reporting on my credit report. I need these accounts blocked and removed in 4 days in pursuant to FCRA 605B ( 15 U.S.C 1681 C-2 ) my identity theft report number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this dispute because false and unauthorized accounts are appearing on my credit report. I did not authorize, open, or approve these accounts, nor was I ever notified that they had been added. The fact that each bureau reports different and inconsistent information further proves their inaccuracy and violates the FCRA, 15 U.S.C. 1681e ( b ), which requires credit bureaus to ensure maximum accuracy in all reporting.

This issue also falls under 15 U.S.C. 1681i, which mandates that disputed items must be investigated and corrected or removed within 30 days, as well as 15 U.S.C. 1681g, which entitles me to full and accurate disclosure of my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliphant United, Inc.
State: IL

Complaint narrative:
I am contacting you regarding the derogatory account you furnished to the credit bureaus : - Creditor/Furnisher : Oliphant USA , LLC - Account Number ( masked ) : XXXX - Status Reported : Collection ( XXXX XXXX XXXX ) This tradeline was disputed with the credit bureaus. You verified it without producing original evidence. Such verification is inadequate and violates your obligations under the Fair Credit Reporting Act ( FCRA 623 ( a ), 623 ( b ), 611 ) and the Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505/2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express has engaged in retaliatory and unlawful credit reporting practices after I filed a legitimate dispute under the Fair Credit Billing Act ( FCBA ). 

On XX/XX/XXXX, I was billed {$1500.00} by XXXX XXXX XXXX for services that were not properly rendered or provided in a satisfactory manner. I filed a dispute with Amex in accordance with FCBA. 

Instead of properly investigating, Amex mischaracterized my claim as a tort ( damages issue ) and dismissed it without addressing the core problem : services were not delivered as agreed. 

While my regulatory complaints have been pending with the New York Attorney General ( since XX/XX/XXXX ) and NYDFS ( since early XX/XX/XXXX ), Amex has : Reported me as 30 days late in XXXX and 60 days late in XXXX, despite the fact that the underlying charge remains unresolved. 

Lowered my credit limit on a paused account, in a retaliatory move that serves no purpose except to damage my credit. 

On XX/XX/XXXX, canceled my account outright instead of working toward resolution. 

The New York Department of Financial Services ( NYDFS ) informed me that Amex is not licensed under their oversight, and therefore they can not compel Amex to respond, but specifically directed me to report Amex to the CFPB for relief. 

XXXX XXXX XXXX XXXX  Amex is well aware these compaints to regulatores are open and are still reporting negatively and taking negative actions during this time ... what actions will be taken agaisnt them for not following the proper rules?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: PA

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Dispute of Unauthorized Credit Inquiries Following XX/XX/XXXX Data Breach To Whom It May Concern : I am formally disputing multiple unauthorized credit inquiries that appear on my TransUnion credit report beginning in XX/XX/XXXX. I did not apply for credit with the creditors associated with these inquiries, nor did I authorize any of them. 
I believe these inquiries are the direct result of identity theft following the TransUnion data breach disclosed in late XX/XX/XXXX, in which consumer information was exposed through a compromised third-party application. According to public reports and consumer notifications, this breach placed millions of individuals at risk of unauthorized credit activity, including fraudulent inquiries. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I am requesting that TransUnion : XXXX. Investigate and delete all unauthorized inquiries that occurred on or after XX/XX/XXXX ; XXXX. Provide me with written confirmation of their removal ; XXXX. Furnish me with copies of all documents, applications, or communications that creditors relied upon to initiate these inquiries ; and XXXX. Please delete the following inquiries that did not authorized : XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX 
Enclosed please find : A copy of my drivers license and proof of address ; A highlighted copy of my TransUnion credit report showing the disputed inquiries ; Documentation referencing the XX/XX/XXXX TransUnion breach ( for context ) ; and An affidavit affirming I did not authorize these inquiries. 
Because this dispute involves identity theft tied to TransUnionXXXX own breach, I expect expedited handling and full removal of the fraudulent inquiries. Please provide a written response within the timeframe required by law. 
Please add the correct address to my credit report. Here is my corrected address. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXs XXXX Sincerely, XXXX XXXX XXXX Enclosures : ID, proof of address, credit report excerpts, breach documentation, affidavit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: OH

Complaint narrative:
In XX/XX/year>, my fianc, purchased an unlocked, carrier-free XXXX XXXX XXXX using his Apple Card. Before purchasing, he contacted Goldman Sachs multiple times to confirm that Apple Card Monthly Installments ( ACMI ) could be applied to an unlocked, carrier-free XXXX. Several Goldman Sachs agents confirmed this was possible. After his purchase, Goldman Sachs successfully set up his phone on a 24-month installment plan with a single request. I have attached screenshots of his communications as proof. 

This experience was an important factor in my own decision to purchase an XXXX. Relying on the assurance that Goldman Sachs does, in practice, allow installment financing on unlocked, carrier-free XXXX, I purchased an XXXX XXXX XXXX  on XX/XX/year>, using my Apple Card ( {$1200.00} + Sales Tax {$100.00} ). Like my fianc, I bought the phone unlocked and without a carrier. 

After the purchase, I contacted Goldman Sachs and requested the charge be broken into 24 monthly installments. To my surprise, they refused, stating that installments are only available for phones purchased with a carrier plan. When I pointed out my fiancs identical case earlier this year, Goldman Sachs avoided answering directly and instead claimed the issue was that my payment had not yet posted. 

To resolve this, I spoke with a supervisor named XXXX by phone ( see attached link to video recording ). In this call, I asked him multiple times whether I could receive installment payments for an unlocked, carrier-free XXXX. He assured me that there was no problem, and that once the charge posted, it would be placed on the 24-month plan. He repeated this clearly and promised me the matter was resolved. 

The following Monday, I contacted Goldman Sachs again, but they denied knowledge of XXXX, contradicted his statements, and insisted installments were not possible. They apologized for misinformation but refused to take responsibility for the supervisors promises or for the precedent set with my fiancs identical purchase in XXXX. 

I am now left in a financially harmful situation : I purchased this phone in good faith based on Goldman Sachs prior actions and explicit promises from their representatives. I did not plan to pay the entire balance at once, nor do I wish to return a phone I was eagerly anticipating. I also can not change carriers I am a student on XXXX Mobiles $ XXXX plan, which is affordable for me. 

Had I known the installment plan would be denied, I would not have used my Apple Card for this purchase.

Company response to consumer: Closed with explanation