vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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:
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  {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$590.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$250.00} UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-14 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: DC

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 2025-06-14 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: VA

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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 2025-06-14 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: VA

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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 2025-06-14 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:
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 2025-06-14 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: IL

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with the credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or valid proof that I opened, authorized, or created this. Since this is a strict violation of FCRA laws, I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-14 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
In XX/XX/year>, I purchased airline tickets from XXXX XXXX using my Apple Card ( issued by Goldman Sachs Bank ) for a family trip scheduled for XX/XX/year>. 

In XXXX, I filed a dispute after credible news sources ( including XXXX and XXXX XXXX XXXX XXXX  ) reported a potential U.S. travel ban targeting XXXX XXXX XXXX XXXX XXXX holders. As an XXXX XXXX with family holding XXXX XXXX, I was deeply concerned for our immigration status. My immigration lawyer advised against traveling, so I disputed the charges on XX/XX/year>. 

While the dispute was under investigation, XXXX XXXX offered to suspend our tickets for a future date, but when I asked Apple Support whether I could accept that offer, they clearly told me not to make any changes while the dispute was open. 

Later in XXXX, once my lawyer confirmed it was safe to travel, I voluntarily withdrew the dispute and allowed the funds to be returned to XXXX XXXX. I also sent Apples confirmation emails to the airline as proof of repayment. 

However, XXXX XXXX refused to reinstate the tickets. They insisted on receiving confirmation directly from Goldman Sachs, not Apple. When I contacted Apple again, I was told that Goldman Sachs does not provide such documents, and that Apples emails should be sufficient. XXXX XXXX would not accept them. 

Because I couldnt get the documentation XXXX XXXX required in time, my family and I missed our flight on XX/XX/year>. After this. On XX/XX/year> Apple closed the dispute and ruled in favor of XXXX XXXX, leaving me with nearly {$10000.00} in charges for a service I was never able to use. 

To make matters worse, on XX/XX/year>, the U.S. government issued an official travel ban titled Restricting the Entry of Foreign Nationals to Protect the United States from Foreign Terrorists and Other National Security and Public Safety Threats. This ban explicitly includes XXXX among 12 countries subject to full travel restrictions, validating the original concerns that caused me to cancel the trip. 

Link to official Executive Order XXXX XXXX XXXX XXXXXXXX Even if Goldman Sachs provides confirmation now, its too late the flight is in the past, and XXXX XXXX would blame me for not providing it earlier. 




Here are the dispute case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-14 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: NC

Complaint narrative:
I

am writing to formally dispute and request the removal of fraudulent information that has been included in my credit report as a result of identity theft. There are several accounts and inquiries listed that I did not authorize, open, or apply for, and which are therefore inaccurate and do not belong to me. Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I respectfully request that you block and remove these unauthorized items from my credit file. Enclosed with this letter, you will find the following supporting documentation : A detailed list of the disputed accounts and inquiries A copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ) A government-issued photo ID Proof of current address Please investigate this matter promptly and take the necessary steps to delete these fraudulent entries from my credit report. I also request written confirmation once the corrections have been completed.

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 2025-06-14 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: MI

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 explanation
Consumer complaint received 2025-06-14 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: AL

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
b'XXXX XXXX XXXXXXXX XXXX this account is closed and shouldnt be on my report as the car was stolen and reported stolen over a year ago\nXXXX XXXX XXXX XXXX This account is closed and shouldnt be on my credit\nCapital One Bank XXXX XXXX XXXX this account is closed and has also been paid off but its still on my account\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I never received notice that I would have to start paying and I shouldnt have a bad impact because of that\nXXXX XXXX XXXX XXXX XXXX I have no knowledge of this collection\nOnline collections XXXX XXXX XXXX XXXX no knowledge of this collection\XXXX XXXX XXXX XXXX XXXX XXXX - I have no knowledge of this collection\XXXX XXXX XXXX XXXX XXXX XXXX no knowledge of this collection\nXXXX XXXX XXXX XXXX account closed since XXXX XXXXhis shouldnt be on my credit and shouldnt be getting reported\nCapital one opened XXXX XXXX  closed XXXXXXXX  my balance is XXXX and I shouldnt have a negative report for this\nCapital one opened XXXX XXXX XXXX XXXX XXXXy balance is at XXXX  and I shouldnt have a negative report from this and it shouldnt be on my credit\XXXX XXXX XXXX  my balance is XXXX its paid and i shouldnt have a negative report and it should be removed from my credit\XXXX XXXX XXXX XXXX XXXX XXXX this account is completely paid off and should be removed from my credit immediately\nXXXX XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX last reported XXXX XXXXhis account is completely paid off and should be off my credit report and shouldnt be reported for\nXXXX XXXX XXXX opened XXXX XXXX XXXX XXXX this car was stolen and reported stolen it shouldnt be on my credit nor should I be getting a negative report\XXXX XXXX XXXX last reported XXXX this is completely paid off and shouldnt still be on my credit and needs to be removed immediately\nI have collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI have no prior knowledge about any of these accounts and didnt authorize anything to accumulate this financial burden \n\n** I would like to also state I am a victim of identity theft my wallet was stolen with my social security card inside of it in XXXX  and again when my car was stolen in XXXX I have reported this and still nothing was done as for credit I didnt approve any of this and would like for it to be removed **'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX this account is closed and shouldnt be on my report as the car was stolen and reported stolen over a year ago\nDiscover Card XXXX XXXX This account is closed and shouldnt be on my credit\XXXX XXXX XXXX XXXX XXXX XXXX this account is closed and has also been paid off but its still on my account\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never received notice that I would have to start paying and I shouldnt have a bad impact because of that\nXXXX XXXX XXXX XXXX XXXX  I have no knowledge of this collection\XXXX XXXX XXXX XXXX XXXX XXXX  no knowledge of this collection\nXXXX XXXX XXXX XXXX XXXX XXXX  - I have no knowledge of this collection\nXXXX XXXX XXXX XXXX XXXX XXXX no knowledge of this collection\nXXXX XXXX XXXX XXXX  account closed since XXXX  this shouldnt be on my credit and shouldnt be getting reported\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX my balance is XXXX and I shouldnt have a negative report for this\XXXX XXXX XXXX XXXX XXXX XXXX XXXX  my balance is at XXXX  and I shouldnt have a negative report from this and it shouldnt be on my credit\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX its paid and i shouldnt have a negative report and it should be removed from my credit\nXXXX XXXX XXXX XXXX XXXX XXXX this account is completely paid off and should be removed from my credit immediately\nXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in amount of XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX this account is completely paid off and should be off my credit report and shouldnt be reported for\nXXXX XXXX XXXX opened XXXX last reported XXXX  this car was stolen and reported stolen it shouldnt be on my credit nor should I be getting a negative report\nXXXX opened XXXX XXXX XXXX XXXX this is completely paid off and shouldnt still be on my credit and needs to be removed immediately\nI have collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nI have no prior knowledge about any of these accounts and didnt authorize anything to accumulate this financial burden \n\n** I would like to also state I am a victim of identity theft my wallet was stolen with my social security card inside of it in XXXX and again when my car was stolen in XXXX I have reported this and still nothing was done as for credit I didnt approve any of this and would like for it to be removed **'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: CA

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 2025-06-14 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$42000.00} Date 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 2025-06-14 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$980.00} Date Opened : XX/XX/year> XXXX ; XXXX XXXX XXXX XXXX  Balance : {$42000.00} Date Opened : 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 non-monetary relief