vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: NJ

Complaint narrative:
In XX/XX/2025, I purchased an item from XXXX for {$310.00} using my Apple Card ( issued by Goldman Sachs ). Shortly after, I returned the item to the store in person and received a return confirmation receipt from XXXX. However, the refund was never credited to my account, so the charge remained. 
In XX/XX/2025, I initiated a dispute through the XXXX XXXX app, providing my return receipt as evidence. Goldman Sachs initially issued a provisional credit for {$310.00} while investigating. After about 30 days, they notified me that the dispute was resolved in XXXX favor based on the merchants response, and the credit was reversed, reinstating the charge. No details or evidence from XXXX were shared with me at that time. 
I contacted Apple Card support via chat multiple times between XXXX and XX/XX/2025, requesting proof of the investigation and XXXX evidence, as well as a reopening of the dispute. Support agents confirmed the case was escalated to their back office but provided no updates or additional information, and no provisional credit was reissued during this period. The issue remained unresolved for over six months, during which I continued to be responsible for the charge, impacting my available credit. 
In XX/XX/2025, after further chats where I referenced potential CFPB involvement, support agreed to reopen the dispute for further review and promised to mail me XXXX response within 5-7 business days ( case number XXXX ). However, as of XX/XX/2025, I have not received the merchants evidence, and no provisional credit has been applied despite the active investigation. This is now my third dispute submission on the same transaction, as previous resolutions appear to have been mishandled without adequate transparency or adherence to dispute timelines.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
Constant payment phone calls even after payment is up to date. XXXX in the last XXXX  days while acct is not past due!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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:
This document distorts my actual financial standing.

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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
According to 15 USC 1692C You Have Violated My Rights By Unlawful Communications

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am disputing the alleged debt with Midland Credit Management in the amount of {$5600.00}. 

Under the FDCPA ( 15 U.S.C. 1692g ), I have the right to request validation of this debt. Midland has not provided sufficient documentation proving that I am legally obligated to pay, including the original signed contract, a full payment history, and proof that Midland owns/has the right to collect this debt.

Under the FCRA ( 15 U.S.C. 1681s-2 ), furnishers must ensure maximum possible accuracy when reporting to credit bureaus. Attempting to collect or report a debt without proper validation is a violation of this requirement.

I request that Midland immediately cease all collection efforts and delete/remove any reporting from my credit file unless and until full legal validation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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:
On XX/XX/XXXX I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include XXXX XXXX XXXX  -Unsecured loan- opened on XX/XX/XXXX XXXX XXXX XXXX card-opened on XX/XX/XXXX XXXX XXXX account- opened on XX/XX/XXXX XXXXXXXX XXXX XXXXCredit Card- opened on XX/XX/XXXX XXXX XXXXCollection-opened on XXXX XXXXXXXX XXXX XXXXCollection-opened on XXXX XXXX XXXX inquiried on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX inquiried on XX/XX/XXXXXXXX XXXX XXXX XXXX inquiried on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have survived Identity Theft, and throughout my exploitation, my personal and financial details were misused without my permission. This led to the creation of fraudulent accounts and debts under my name. I would appreciate it if you could consider this background while reviewing my credit report and take appropriate actions to correct any inaccuracies or fraudulent activities. I have included documentation from relevant authorities and organizations to support my case.

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 2025-08-28 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 dispute the validity of these accounts, as I did not authorize them. As required by USC 1681g, I request their prompt deletion within 15 days. Documents are attached.

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 2025-08-28 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:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: FL

Complaint narrative:
I tried to make XXXX transactions with XXXX of {$9000.00} and {$2400.00} respectively. I was sending this money from XXXX XXXX  account to my mom 's XXXX XXXX  account. On the XXXX app it showed transactions were successful. Based on what app reported, me and my mother took a decision for a trade and then there was margin shortfall. When we looked at my mother 's XXXX XXXX  account, the money was not delivered by XXXX. Due to this we had to pay a fine of XXXX XXXXXXXX ( ~ {$750.00} ). I reached out to XXXX customer support telling them it is because of their misreporting we had to bear this and support team said they will not be able to compensate this {$750.00}. I asked what they can help with? They said nothing. This has caused a lot of stress on me and my family

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as a formal dispute regarding a fraudulent account on my credit report. I did not authorize, open, or engage with this account. Its reporting is entirely false and negatively affecting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as a formal dispute of a fraudulent account appearing on my credit report. I have no affiliation with this account and never authorized or opened it. Its reporting is false, misleading, and unjustly harming my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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:
On XX/XX/XXXX I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXX XXXX XXXXUnsecured loan-opened on XX/XX/XXXX XXXX XXXX -credit card - opened on XX/XX/XXXX XXXX -Charge account- opened on XX/XX/XXXXXXXX XXXX XXXXXXXX -Credit Card- opened on XX/XX/XXXXXXXX XXXX-Collection- opened on XXXX XXXXXXXX XXXX -Collection- opened on XXXX XXXX XXXX inquiried on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX inquiried on XX/XX/XXXX XXXX XXXX XXXX inquiried on XX/XX/XXXXXXXX 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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am disputing inaccurate and misleading credit reporting of my paid auto loan with XXXX XXXX XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX ). The account was charged off in XX/XX/XXXX and paid in full on XX/XX/XXXX. Despite this, Equifax and Experian continue to display XXXX XXXX CO ( charge-off ) notations extending through XXXX. 

This reporting is factually impossible and violates the Fair Credit Reporting Act ( FCRA ) : 623 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know or should know is inaccurate.

605 ( a ) : Prohibits re-aging of accounts.

607 ( b ) : Requires credit reporting agencies to ensure maximum possible accuracy. 

Additionally, under XXXX XXXX guidelines, a charge-off is a one-time accounting event, not a rolling monthly derogatory. XXXX reporting of XXXX XXXX CO notations artificially inflates derogatory history, misrepresents payment history, and continues even after payoff, which should have stopped all derogatory reporting.

Requested resolution : 1. Remove all CO notations after XX/XX/XXXX. 
2. Correct tradeline to : Paid/Closed {$0.00} balance no derogatory history after XX/XX/XXXX. 
XXXX. If verification can not be provided, delete the tradeline entirely. 

This account should reflect accurately as paid and closednot as a multi-year rolling charge-off.

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 2025-08-28 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: NJ

Complaint narrative:
" These accounts must be resolved within 15 days in accordance with USC 1681g, due to existing errors. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Called midland credit management about the negative impact on my debt and what I was in collections for, they said they sent information out but I never received it, I asked to be sent the documents that should my signatures agreeing to the term of the credit card and they told me they arent required to do that, also had a lady tell me that she wouldnt go back and forth with my request so she will just mark the debt as validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-28 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-28 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: NC

Complaint narrative:
i am filing the complaint against Equifax for violating the fair credit report act FCRA by re-inserting a fraudulent account on my credit report after it had already deleted DUE to identity theft. 

i submitted the identity theft report the police report documentation and a notarized dispute packet Equifax properly removed the fraudulent account XXXX XXXX XXXX XXXX account last month however without written notice or legal justification Equifax reinserted the same account back on my credit report on around XX/XX/XXXX they did not notify me within 5 business days of the reassertion as required under FCRA section 611 ( a ) ( 5 ) ( b ) and to block it permeant within 4 business days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Back in 2022 I bought an XXXX XXXX XXXX with XXXX an financed the other one .. now they saying i owe XXXX an TransUnion reported false inaccurate data on my credit report

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 2025-08-28 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XXXX XXXX Date : XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing a fraudulent account that has been inaccurately reported under my credit file. I never authorized, opened, or used this account. Its inclusion is false and unfairly affecting my financial standing.

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