vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc.
State: VA

Complaint narrative:
I attempted to remove a payment method from my Google Pay / Google Wallet account. Removing a payment method is a risk-reducing action, not a transaction or authorization request. However, Google blocked this action behind an identity verification flow that requires a XXXX security code that no longer exists on current versions of XXXX. 

This all started as I was purchasing a XXXX gift for my XXXX XXXX XXXX nephew. The account is in his name but due to his age he doesn't use it and the account was only made so he had an email to signup for games like XXXX. So its not like he's sending emails or doing anything on the account. I'm the only one who has access to it, and the account itself is rarely used. Since he is only XXXX he doesn't have money so I needed to buy the game for him. after I made the purchase I wanted to remove the card from the account so he doesn't buy anything else with it in the future. and that's where the problem comes into play. Google will not allow me to do that. 

The More ways to verify option repeatedly loops back to the same screen and provides no viable alternative. I attempted verification across multiple devices and browsers, including account recovery. I confirmed my identity when prompted ( Yes, its me ), waited the required time, and still remained locked out of managing or removing my payment methods. 

I contacted Google Pay support and escalated to XXXX. XXXX refused to engage and ended the chat without providing a resolution, explanation, or method to regain control of my payment methods. 

As a result, I am unable to manage or close my digital wallet account or remove stored payment methods. This appears to be a broken and deprecated verification flow with no consumer-accessible resolution. Blocking the removal of payment methods increases consumer risk and denies basic account control. 


I am requesting that Google remove my payment methods or close/reset my Google Pay payments profile and correct the verification process so it does not require a non-existent XXXX feature

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 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I had a charge by ask a doctor that should have been for XXXX dollars. I was charged XXXX instead. Called the merchant the rep at the merchant was not much help so I thought I would dispute it with Apple cad they are very and should follow the rules and try to help me out. On XXXX they ended my dispute and said they found against me. Ok checked email for more info about the dispute. There was no info very values and a templated answer that said I was charged the right. Nothing about how they came to the conclusion. Had no respect for me as a customer to share any thing just insulted me with a templated answer. So I chatted in was told they reach out to the merchant and they would send me the info from merchant.they sent me latter stating the the info was in closed. Disrespected me so bad the did not in XXXX in letter. Why did they not include because th yea did not reach out to merchant and tried to cover up. There has been no help from Apple Card there as been cusomer service. They have asked for a chance to redo the investigation many times cause they know the messed it up bad. They will schedule a call with a manager and get will tell you XXXX XXXX up to XXXX days never the same time frame. Did talk with a manger yesterday that told me my dispute was handled differently. That sounds like a fancy word for I discriminated against. There is only XXXX way to do and that is based on the fcba which I beleive they violated. Everything I read about it t says the creditor is to reach out to the merchant. The never did causing called the merchant and they did not. I did get some at merchant tha handles these type of disputes and they admitted I was discharged and fix it and Apple Card still covering up and making up excuses why they did not do it properly and they have been In Trouble for this before :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate and unauthorized credit inquiries reported by XXXX XXXX on my credit report. 

XXXX XXXX is reporting multiple hard inquiries on the same dates ( including XX/XX/XXXX and XX/XX/XXXX ). I did not authorize multiple credit applications, nor did these inquiries result in separate open accounts. 

Under the Fair Credit Reporting Act ( FCRA ), credit inquiries must be supported by clear consumer authorization and a legitimate permissible purpose. XXXX XXXX has failed to provide proof of authorization for each inquiry reported. 

I am requesting that XXXX XXXX provide full verification for each inquiry, including signed authorization, application records, and evidence of permissible purpose. If they can not verify each inquiry individually, I am requesting immediate removal of the unauthorized and duplicate inquiries from all credit reporting agencies.

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 2025-12-25 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 submitting this complaint regarding inaccurate and unauthorized credit inquiries reported by XXXX XXXX on my credit report. 

XXXX XXXX is reporting multiple hard inquiries on the same dates ( including XX/XX/XXXX and XX/XX/XXXX ). I did not authorize multiple credit applications, nor did these inquiries result in separate open accounts. 

Under the Fair Credit Reporting Act ( FCRA ), credit inquiries must be supported by clear consumer authorization and a legitimate permissible purpose. XXXX XXXX has failed to provide proof of authorization for each inquiry reported. 

I am requesting that XXXX XXXX provide full verification for each inquiry, including signed authorization, application records, and evidence of permissible purpose. If they can not verify each inquiry individually, I am requesting immediate removal of the unauthorized and duplicate inquiries from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). I have reason to believe reasonable procedures were not followed to ensure accuracy. I request deletion of disputed items and acknowledgment of statutory liability as the bureau failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: GA

Complaint narrative:
My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). I have reason to believe reasonable procedures were not followed to ensure accuracy. I request deletion of disputed items and acknowledgment of statutory liability as the bureau failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

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 2025-12-25 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: IL

Complaint narrative:
I am submitting this formal notice under the Fair Credit Reporting Act 15 U.S.C. 1681c-2 FCRA 605B and 623 as a verified victim of identity theft. I have submitted documentation and supporting evidence including my FTC Identity Theft Report regarding fraudulent accounts that were opened without my knowledge or consent. Despite prior submissions these accounts or their related information continue to appear or remain unblocked in my file. The following fraudulent accounts must be permanently blocked and deleted from my credit file and any future reinsertion of this or related accounts must be automatically prevented per FCRA 605B ( c ) ( 1 ) and 623 ( a ) ( 6 ) ( B ) FRAUDULENT ACCOUNTS XXXX XXXX XXXXOriginal Creditor : XXXX XXXXXXXX XXXX Account XXXX, opened on XXXX, XXXX XXXX XXXXXXXX Account XXXX, opened on XXXX FRAUDULENT HARD INQUIRIES XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX These accounts and inquiries were opened or initiated by unknown parties using my stolen identity as confirmed in my FTC Identity Theft Report. I never authorized or consented to any application or extension of credit connected to these accounts or inquiries. I demand that under FCRA 605B ( b ) you Permanently block all information related to the fraudulent accounts and inquiries listed above Delete all existing records inquiries or derivative data connected to these accounts Ensure future suppression preventing any of these or related accounts or inquiries from reappearing in my credit report Provide written confirmation of the completed block and deletion within the statutory 4 business days of receipt of this notice Notify all furnishers involved that this information has been identified as fraudulent and must not be re-reported under FCRA 623 ( a ) ( 6 ) ( B ) This request also extends to any fraudulent accounts or information not currently visible in my credit file but mentioned in my FTC Identity Theft Report. Those must be preemptively blocked to prevent appearance or reinsertion. Failure to comply constitutes a willful violation under FCRA 605B ( d ) and 623 ( a ) ( 6 ) and may result in statutory damages attorney fees and civil liability under 15 U.S.C. 1681n and 1681o. Please confirm in writing that all fraudulent information related to these accounts and inquiries has been permanently deleted and blocked from future 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 2025-12-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Multiple companies accessed my consumer credit report without my authorization or any permissible purpose under 15 U.S.C. 1681b. These unauthorized hard inquiries are damaging my credit profile. I am requesting immediate deletion and enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
FAIR COLLECTIONS & OUT is falsely reporting on my credit. I have never had any accounts with them. Per my research FAIR COLLECTIONS & OUT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-12-25 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 submitting this complaint regarding multiple inaccurate, outdated, and unverifiable accounts that I have identified on my credit report. These inaccuracies are negatively affecting my creditworthiness and financial opportunities. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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 writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-12-25 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: MA

Complaint narrative:
I requested verification of the accuracy of the reported account information, including the correct account status, last payment date, delinquency history, and an explanation of how the information was verified. I also requested clarification of conflicting reporting and the method of verification used to confirm accuracy

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 2025-12-25 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: CBC Companies, Inc.
State: OK

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 would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: OH

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for violations of the Fair Credit Reporting Act ( FCRA ) after submitting sworn, notarized affidavits disputing inaccurate credit reporting and unauthorized credit inquiries appearing on my Equifax credit file.

I submitted affidavits disputing : Inaccurate and unlawfully reported tradelines Failure to conduct reasonable reinvestigations Continued reporting of unverifiable information Unauthorized and improperly reported hard credit inquiries lacking a permissible purpose These affidavits constituted formal legal notice, were sworn under penalty of perjury, and demanded deletion or lawful verification as required by 15 U.S.C. 1681i. 

Despite receipt of this sworn evidence, Equifax failed to conduct a reasonable reinvestigation and continues to report disputed information using standardized responses rather than lawful verification from original sources. A sworn affidavit is legal evidence and can not be ignored, dismissed, or treated as frivolous. 

Equifaxs conduct violates, but is not limited to : 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete unverifiable information 15 U.S.C. 1681b Reporting inquiries without a permissible purpose Equifax has been placed on actual notice and has failed to cure these violations. Continued reporting after receipt of sworn affidavits demonstrates willful noncompliance or reckless disregard for federal law. 

As a result, I have suffered credit denials, financial harm, and emotional distress.

Company response to consumer: Closed with explanation