vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
In XX/XX/year>, I mailed a written debt-validation request to Goldman Sachs Bank USA ( Apple Card ) asking for proof that I authorized or opened the account, including a signed application or agreement, full accounting, and confirmation that they have the right to collect or report it. 

Goldman Sachs responded with only generic monthly statements and a blank customer agreement that had no signature or proof that I owned or authorized the account. I then sent a second letter explaining that their packet was insufficient. Instead of fixing the problem, they sent the same packet again and emailed me saying my case was closed while also stating that another packet was on the way. The dispute was closed before I ever received that mailing. 

Whenever I try to contact Apple Card customer service to dispute the debt, the online chat automatically ends as soon as I mention that Im disputing or validating the account. Im repeatedly disconnected and unable to speak to a representative. Their customer service consistently stonewalls me. 

Goldman Sachs continues to report this disputed account negatively even though they have never provided signed proof that I opened or authorized it. My credit score has dropped from the XXXX to the XXXX, and I have been denied multiple credit and loan applications, including a large student loan. 

I am requesting that Goldman Sachs : Provide a signed agreement or verifiable proof linking me to the account, or delete the tradeline entirely. 

Stop reporting negative information while the account is disputed. 

Correct the damage caused by inaccurate reporting and premature dispute closure. 


All information will be provided later along with documents, screenshots and exhibits

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
I have a leased XXXX that is currently under an unrepaired safety recall for a potential fire risk ( XXXX XXXX ) On Friday XXXX, XXXX instructed me to drop the vehicle off at the dealership and told me that my vehicle qualifies for a buyback. I was also instructed to obtain a rental vehicle through XXXX and was verbally authorized for up to $ XXXX, with a case representative to follow up within XXXX business day to confirm and adjust coverage. I followed these instructions and secured a rental at $ XXXX as directed. 

After dropping off the vehicle and obtaining the rental, no case representative contacted me. I called XXXX on Monday, Tuesday, and Wednesday and was told there were new updated procedures and that I had been misinformed, despite the rental authorization being given by their own representative. I was told a specialist would contact me, but no one has reached out. I now have a rental car sitting unused at my home that XXXX instructed me to obtain, and I am being left without any written guidance or transportation support during an active safety recall. 

I should not be responsible for any rental charges incurred after following XXXX explicit instructions. I am requesting that XXXX honor the rental authorization already provided, assign a case specialist, and provide written clarity on next steps for transportation and buyback handling. At this time, I have been left without a safe vehicle, without a case manager, and with out-of-pocket exposure caused by XXXX inconsistent and misleading instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and request a reinvestigation of inaccurate late payment information reported on my credit report. After reviewing my credit file carefully, I discovered that my XXXX XXXX XXXX account, ending in XXXX, with a balance of {$13000.00}, opened on XX/XX/XXXX on Equifax, and last activity on XX/XX/XXXX but last activity on XX/XX/XXXX on TransUnion and Experian, is reported with numerous late payments that do not accurately reflect my actual payment history. 
Additionally, 15 U.S.C. 1681e ( b ) requires that credit reporting agencies maintain maximum possible accuracy in the information they report. The current late payment history for this account clearly falls short of this standard, as the data contradicts my verified payment records. Accurate reporting is critical to maintaining the integrity of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute and request a reinvestigation of inaccurate late payment information reported on my credit report. After reviewing my credit file carefully, I discovered that my XXXX XXXX XXXX account, ending in XXXX, with a balance of {$13000.00}, opened on XX/XX/XXXX on Equifax, and last activity on XX/XX/XXXX but last activity on XX/XX/XXXX on TransUnion and Experian, is reported with numerous late payments that do not accurately reflect my actual payment history. 
Additionally, 15 U.S.C. 1681e ( b ) requires that credit reporting agencies maintain maximum possible accuracy in the information they report. The current late payment history for this account clearly falls short of this standard, as the data contradicts my verified payment records. Accurate reporting is critical to maintaining the integrity of my credit profile.

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 2025-11-14 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My account was closed and my remaining {>= $1,000,000} balance was not returned as of yet. I spoke to a representative who said my funds will be returned and it hasnt happened yet.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital one ( Banks ) inquires on my credit reports on dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: PR

Complaint narrative:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-11-14 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:
Dear Experian, I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 explanation
Consumer complaint received 2025-11-14 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: KY

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. 

I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-14 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
TD Bank USA / Target ( Account Ending XXXX ) Summary of Violations 1. Balance exceeds credit limit Reported : Balance : {$590.00} Limit : {$500.00} This violates : XXXX XXXX revolving charge-off requirements FCRA 607 ( b ) accuracy A creditor may only report a balance higher than the limit if itemized contractual fees are documented, which TD Bank has not provided. 



2. Account Date Updated reaging the debt The Date Updated shows : XX/XX/XXXX, despite last payment being : XX/XX/XXXX This artificially extends negative activity and misrepresents the accounts timeline.

Violates : FCRA 623 ( a ) ( 2 ) reaging prohibition FCRA 611 ( a ) failure to reinvestigate properly 3. High balance reported for years after account closure TD Bank reports a high balance from XXXX, even though the account was closed in XXXX, which is impossible. 

Violates : FCRA 623 ( a ) accuracy XXXX XXXX compliance rules 4. Missing and incomplete payment history Payment history is absent for several years, which makes the reporting incomplete and misleading.

Violates : FCRA 602 ( A ) FCRA 607 ( b ) XXXX XXXX completeness standard Requested CFPB Action for TD Bank I request that the CFPB require TD Bank to : Provide verifiable documentation of : Actual balance at charge-off Itemized fees Accurate dates Complete payment records OR Delete the account in full for supplying unverifiable and incomplete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-11-14 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. 
With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I paid my CareCredit XXXX Synchrony Bank ) account in full. After my payoff posted, I was charged trailing interest. When I contacted CareCredit/Synchrony, I was told the interest could not be removed, even though the account now has a XXXX balance. Other Synchrony accounts allow courtesy removal of residual interest, and I am requesting the same treatment. I believe this trailing interest is unfair, especially after the account was fully paid off. I am requesting that Synchrony Bank remove the trailing interest charge and correct my balance to {$0.00}. I have no late fees and paid on time and every month more than the minimum. They said they charge interest on interest. Makes no sense when the statement balance I paid was supposed to be the final amount.

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 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
The company ( dscout ) is withholding earned funds ( {$110.00} ) for completed tasks and refusing to issue the payment through PayPal. They claim an account issue but can not provide written policy or justification. I completed the work in good faith and the company refuses to pay or release the funds. 

They say that they have the rights to withheld my money but unable to provide written proof in their own terms of services and policy. I doubled check their terms and policy pages but couldn't find where they say they can withheld participants money anywhere. 

They refused to release the {$110.00} that I earned through the platform which I spent time and effort to provide high quality work.

Company response to consumer: Closed with explanation