vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XXXX of XXXX, I was involved in a scam with a fraudulent company. To this day, I am paying the price. I was introduced to a company called XXXX XXXX XXXXXXXX ( now goes by XXXXXXXX XXXX XXXX ). I was told this program would be a high ticket sales program and would make me a decent amount of money. I was excited. I was told to open a Capital One credit card. Pay {$1900.00} from it ( my limit was {$2000.00} ) for the program and I would be good to go. Well, I started doing the program and it turned out to be very different from what was advertised and I had a very difficult time communicating or making a dime. I put in about 15 hours a week for the program and didn't make any money even though I was promised to. Capital One looked into this and because I was late in asking for a refund there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following inaccurate address listed on my credit report : XXXX XXXX XXXX XXXX, XXXX, IL XXXX This address is either outdated, never verified, or is inaccurately associated with my profile. It does not reflect my current or verifiable residence. 
In accordance with the Fair Credit Reporting Act, you are legally required to maintain only accurate, verifiable, and up-to-date information on my credit file. I am invoking my rights under : 15 U.S.C. 1681e ( b ) ( FCRA 607 ( b ) ), which requires Experian to follow reasonable procedures to ensure the maximum possible accuracy of the information in my credit file ; 15 U.S.C. 1681i ( FCRA 611 ), which grants me the right to dispute inaccurate or unverifiable information and requires you to complete a reinvestigation within 30 days ; 15 U.S.C. 1681a, which limits your ability to report information not verified or associated with the consumer. 

I request that you delete the address listed above immediately. Please confirm whether this address was reported by a data furnisher and, if so, provide the full name, address, and verification method used. 
You are also reminded that continued reporting of unverifiable or incorrect data after being notified of its inaccuracy may constitute willful noncompliance, which is subject to damages under 15 U.S.C. 1681n and 1681o.

Please respond to this request in writing and provide me with an updated copy of my credit report reflecting the correction. 

Sincerely, 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 2025-05-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MIDFIRST BANK
State: CO

Complaint narrative:
b'Was out of work for almost a year due to shoulder replacement surgery and was on a limited income. Was on a forbearance and when it ended, I could not pay everything that was required to pay. I also got a refund check from my old home owners insurance that when I paid the mortgage company, they applied it to the principal and not the escrow. Before all of this went on I was only 2 1/2 months behind now I am 5 months behind. I disagree with the answer that they have given me and am taking it further.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Under the law15USC6802 my rights have been violated by Hyundai Capital yet nothing has been done about it. Hyundai Capital has received payment for this vehicle a total of twice, yet I am the individual suffering for it. I have reached out to them several times for the documents that I need and was giving the run around. I need this removed off of all credit reports due to fraud or I will take action for further damages. I have paid this company a total amount of XXXX, Plus on top of what they have already received after selling the car with the tax document not ever being sent to me. This act is not legal

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING 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 TRAFFICKING. 

Account Name : UNKNOWN # 1 - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have an active dispute with XXXX in progress. In the interim, I paid the " outstanding '' balance in full the hopes of saving my credit until this matter was corrected with XXXX. I paid XXXX on XX/XX/XXXX and on XX/XX/XXXX I paid {$2900.00}. This was the amount XXXX was claiming I was in the arrears. I received XXXX alerts from my XXXX  account that XXXX had submitted the 120 days late notification to the credit bureaus on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On the dates that XXXX is sending notification to the credit bureaus, the amount had been paid and posted on their account. This type of unethical and incorrect reporting has dropped my credit scores over XXXX points. I have tried repeatedly to contact XXXX being placed on hold for over XXXX hours for XXXX call only to be disconnected. My credit is being destroyed daily by a company I never heard of nor from. I have lost the ability to purchase my retirement home due to my credit score. I found out about a company called XXXX when the agent ran my credit. I am stressed and in a crisis because of this company 's repeated reporting incorrect information to the three credit bureaus. I never received notification that my loan had been sold. Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported. XXXX never contacted me! I am requesting that all late charges reported by XXXX be removed from my credit report immediately. XXXX XXXX XXXX have updated my credit report removing the late charges.

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 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Received a call on XXXX from someone who said they were an XXXX card member service and calling to collect a debt. They called from this number ( XXXX ). When I asked they said they were calling from XXXX XXXX XXXX, a company contracted by XXXX to collect the debt. I asked for the name of the caller, he said XXXX XXXX. He gave me this number XXXX and said to call them directly to initiate fraud claim. They said XXXX will review the fraud claim and letter will be sent out. I told them I had already filed a fraud claim with XXXX on XXXX and that XXXX confused because XXXX said they were already taking care of it and there was nothing else I needed to do I also told them I filed a police report. They told me that they had transferred the account over to them and they were now handling it and asked for the police report number. I gave it to them. They then wanted more personal information from and asked next for XXXX XXXX address. I said I wasnt comfortable giving any personal information until I verified that they were with XXXX. They said if you call the number we gave you they will confirm it. Rather than calling that number, I called the verified XXXX XXXX I had been given from my initial contact and fraud report on XXXX. The XXXX account protection member I spoke to said that the account reported XX/XX/XXXX will take 30 days to send resolution letter and no agency has been contracted for debt collection or any other services. He said dont entertain any callers unless they are providing details on the fraudulent claim that was submitted XXXX. Stating disregard those phone calls. He stated that the last documented phone call from XXXX to me was on XXXX. I asked the XXXX account XXXX XXXX to please document that this had occurred, referring to the scam caller that had my name, got my police report number and said they were representing XXXX. He said that he added this info to my file. 

After realizing this was a scam caller that was trying to get more of my personal info, I contacted the XXXX Police Department to report it.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I disputed two collection accountsXXXX XXXX XXXX and XXXX XXXX XXXX TransUnion. XXXX was closed on XX/XX/2025 and XXXX XXXX XXXX was closed on XX/XX/2025, but both still appear on my TransUnion report with active balances. I submitted evidence of closure, mailed validation letters, and received no response. Despite this, TransUnion continues to mark them as verified with no documentation. This violates the Fair Credit Reporting Act ( FCRA ). I request both accounts be fully deleted unless properly verified with assignment contracts and documentation.

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 2025-05-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
Im a little angry and upset. My mom XXXX XXXX received a letter in the mail. About my brother XXXX XXXX bank account. Im the executor of my mother and I have power of attorney to handle her business. The letter stated to send his death certificate and a letter of instruction. I made sure to call in before I sent it to make sure. I spoke to this guy on XX/XX/year>. He told me once they get the death certificate and letter of instruction I would be sent the money in his bank accounts. I faxed over his death certificate on XX/XX/year>. After I faxed it I called and told them. I was harassed something terrible. Its now a different story. 

I was told I needed to show that I was the executor. Im am being harassed and told different stories. XXXX guy told me his accounts were already settled. But my other brother told me they were frozen. 

USAA refuses to tell me if my other brother. Managed to get them to send him the money or this woman named XXXX. Who was helping my brother with medical. 

I was told he had {$100000.00} in his checking accounts. 


But then the last employee I spoke to. Was more friendly and professional. She explained to me that they didnt need anything else. I would be receiving the money in the next XXXX  days. From XX/XX/year>.

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 2025-05-15 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: PA

Complaint narrative:
I looked over my credit report and noticed hard inquiries that don't have permissible purpose according to 15 USC 1681b. 
XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because of violation of 15 USC 1681b XXXXXXXX XXXX XXXX. Delete this hard inquiry because of violation of 15 USC 1681b XXXX XXXX XXXX. Delete this hard inquiry because of violation of 15 USC 1681b XXXX XXXX XXXX XXXX  Delete this hard inquiry because of violation of 15 USC 1681b XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because of violation of 15 USC 1681b XXXX XX/XX/XXXX. Delete this hard inquiry because of violation of 15 USC 1681b XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. Delete this hard inquiry because of violation of 15 USC 1681b XXXX XX/XX/XXXX. Delete this hard inquiry because of violation of 15 USC 1681b XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. Delete this hard inquiry because of violation of 15 USC 1681b XXXX XX/XX/XXXX. Delete this hard inquiry because of violation of 15 USC 1681b XXXX XXXXXX/XX/XXXX. Delete this hard inquiry because of violation of 15 USC 1681b Any person who fails to comply and fix this matter will be liable under 15 USC 1681n which is civil liability for willful noncompliance

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 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Complaint to the CFPB : Fraudulent Charges and Mishandling by Apple Card XXXX Goldman Sachs I am filing a formal complaint against Apple Card ( Goldman Sachs Bank USA ) due to their continued mishandling and refusal to resolve a clear case of credit card fraud related to my stolen XXXX. Their actions have stripped me of my rights and protections as a consumer, and I request that the CFPB investigate this matter.

my iPhone was stolen. I immediately reported it to the police and provided documentation. However, multiple fraudulent transactions were made using Apple Pay via my stolen phone before I could lock the device.

I reported these unauthorized transactions to Apple Card/Goldman Sachs and submitted all necessary documentation, including the police report. Despite this, they denied my fraud dispute multiple times over the course of 9 months. During that time, they : Reissued my Apple Card multiple times to protect me from future fraud, Yet continued to reverse provisional credits, as seen in the attached screenshot showing a balance adjustment for {$53.00}, Refused to offer any direct phone support, forcing me to deal exclusively with automated chat-based communication that was ineffective and frustrating, Shut down my credit card account immediately after I sent them a formal letter warning I would escalate to the CFPB, Refused to provide any explanation or respond to my final concerns about why I remain liable for proven fraudulent charges. 
These actions by Apple/Goldman Sachs are contradictory, opaque, and demonstrate a disregard for consumer protections under federal law. Their refusal to acknowledge police documentation and evidence of fraudwhile continuing to treat the dispute as validamounts to deceptive practices and violates fair credit billing protections.

I respectfully request that the CFPB investigate this case and hold Apple/Goldman Sachs accountable for their failure to properly handle fraud claims, communicate transparently, and uphold consumer rights. I am still being held liable for disputed amounts despite multiple attempts to resolve this issue in good faith. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MS

Complaint narrative:
TransUnion, Experian and Equifax have violated my consumer rights. Details of the Accounts in concern as well as the violations are addressed in an attachment to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: MS

Complaint narrative:
TransUnion, Experian and Equifax have violated my consumer rights. Details of the Accounts in concern as well as the violations are addressed in an attachment to this complaint.

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