vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLDMAN SACHS BANK USA
State: KY

Complaint narrative:
I am filing this complaint regarding a debt reported by Goldman Sachs Bank USA XXXX Apple Card ) under account number XXXXXXXX XXXX XXXX  showing a balance of {$2800.00} and reported as Collection/Charge-Off to XXXX and Equifax. 

On XX/XX/year>, I sent a formal debt verification request under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I specifically requested : 1. A breakdown of the alleged balance ; 2. A copy of the signed agreement that obligates me to the debt ; 3. Full transaction and statement history ; 4. The name and address of the original creditor ; 5. Proof of proper notification prior to the charge-off ; 6. Proof of accurate reporting to the credit bureaus.

To date, Goldman Sachs Bank has failed to provide these documents. Under the law, if they can not fully verify the debt, they are required to delete the account from my credit reports.

Their continued reporting without full verification violates my rights under FCRA and FDCPA and is harming my credit profile. 



Company Name : Goldman Sachs Bank USA XXXX Apple Card ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Account Number ( last digits ) : XXXXXXXX XXXX XXXX Requested Resolution : I respectfully request that the CFPB investigate and require Goldman Sachs Bank to : Immediately delete this account from all credit bureaus ( XXXX XXXX XXXX XXXX ) Cease any further reporting or collection efforts unless full verification is provided as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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 do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Amsher Collection Services, Inc.
State: NM

Complaint narrative:
XXXX I tried explaining that Im taking steps to clear the matter with the company that sent the debt to them, which was incorrectly sent. They ask how Im gon na take care of it to which I explain Ive yet to see a bill and Im trying to handle it. I state that Im willing to pay once things are clearly presented to me. Because I wont pay anything immediately, they get extremely aggressive and say theyre just gon na send it straight to the credit bureaus. When trying to explain why Im not paying immediately, they get more aggressive and tell me Ive taken zero steps which is completely untrue. Im doing everything I can to handle the matter. The manager comes on is just as aggressive. He gives me the same threat of sending it to the bureaus. I asked for a number and an account number so I can call back once I have things in order. The manager throws a bunch of numbers at me without me being ready. I tell him that I wasnt ready and asked for him to give me a second so he can give me information. He angrily dismisses himself and hangs up. Throughout the call I was made to be a liar, incompetent and many other things. I am genuinely doing everything I can to take care of it. They call every so often and are very aggressive with me for no good reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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 requesting your assistance in initiating an investigation into these accounts, as they are being inaccurately reported on my credit report. In accordance with USC 1681g, I am formally asking for their removal within 15 days. I have attached all necessary documents for your thorough review. Furthermore, the account details differ and are incorrect across the major credit bureaus.

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 2025-06-26 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: NY

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-06-26 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 a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates for violating the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g and 1692c. 

On XX/XX/year>, I filed a formal dispute regarding a debt they are reporting, through XXXX. Under federal law, they are required to cease all collection activity, including contacting me, until they have provided verification of the debt. 

However, on XX/XX/year>, I received a phone call from them regarding the same alleged debt despite no verification being sent to me. This constitutes unlawful collection activity while the debt is in dispute. 

I am requesting that the CFPB take action to hold this company accountable for continuing to pursue collection activity in violation of federal law, and that they cease communication with me. I am also requesting this account be removed from my credit report and alleged debt be settled. 

I have documentation of the dispute filed with XXXX and call logs confirming their attempt to contact me after the dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I did a credit report check and noticed I had late payments on an account and I have never been late according to the credit reporting agencies and they have taken a vital role and responsibility to submit consumer information to the maximum extent possible. This attitude I have never been late on payments on this account ( XXXX XXXX XXXX ) ( XXXX ) Please investigate and provide proof of bank statements showing these payments are late, if proof can not be provided I demand these payments be brought up to date on time as they should be because I have never been late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-06-26 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 previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this formal complaint against Experian due to continued violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding a XXXX XXXX account inaccurately reported on my Experian credit file. Despite submitting multiple disputes, Experian continues to report conflicting and misleading information. 

The account shows both a " Charge-Off '' and a " Paid in Settlement {$2200.00} written off '' status. Reporting both simultaneously is contradictory, deceptive, and in violation of FCRA 1681e ( b ), which requires maximum possible accuracy. Furthermore, the account reflects late payments of 30 to 180 days even after the settlement, inflating my derogatory history in contradiction to Metro 2 guidelines.

Experian has not provided the legally required Method of Verification under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), and has failed to disclose any documentation or the name, date, and method of the entity used to verify the account. Prior disputes were closed without any explanation or supporting evidence.

I request the CFPB to investigate Experian for willful or negligent noncompliance with the FCRA. This complaint is filed in conjunction with my report to the FTC ( Report # XXXX ), and I reserve the right to pursue civil remedies under 1681n and 1681o.

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 2025-06-26 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: PA

Complaint narrative:
My information was exposed in the XXXX XXXX breach and these accounts were affected. 

XXXX XXXX XXXX  Reported : XX/XX/year>, XXXX XXXX XXXX Reported : XXXX. XXXX XXXX XXXX XXXXXXXX Reported : XXXX. XXXX XXXX XXXX  Reported : XXXXXXXX XXXX XXXX XXXXXXXX Reported : XXXX. XXXX XXXX XXXXXXXX XXXX Reported : XXXXXXXX XXXX XXXX XXXX XXXX  Reported : XX/XX/year> XXXX Reported : XX/XX/year>XXXX XXXX XXXX Reported : XX/XX/year>XXXX XXXX  Reported : XX/XX/year> XXXX Reported : XX/XX/year> XXXX Reported : XXXX. XXXX XXXX XXXX Reported : XX/XX/year> I WOULD LIKE TO REMOVE ALL NEGATIVE ITEMS THAT ARE LISTED

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 2025-06-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My information was exposed in the XXXX XXXX breach and these accounts were affected. 

XXXX XXXX XXXX  Reported : XX/XX/year>, XXXX XXXX XXXX Reported : XXXX. XXXX XXXX XXXX XXXXXXXX Reported : XXXX. XXXX XXXX XXXX  Reported : XXXXXXXX XXXX XXXX XXXXXXXX Reported : XXXX. XXXX XXXX XXXXXXXX XXXX Reported : XXXXXXXX XXXX XXXX XXXX XXXX  Reported : XX/XX/year> XXXX Reported : XX/XX/year>XXXX XXXX XXXX Reported : XX/XX/year>XXXX XXXX  Reported : XX/XX/year> XXXX Reported : XX/XX/year> XXXX Reported : XXXX. XXXX XXXX XXXX Reported : XX/XX/year> I WOULD LIKE TO REMOVE ALL NEGATIVE ITEMS THAT ARE LISTED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: SC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. 


These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: AL

Complaint narrative:
I opened a credit card account with a {$300.00} limit on XX/XX/XXXX. During the initial months of managing this account, I encountered a temporary financial hardship that led to late payments being reported in XXXX, XXXX, and XX/XX/XXXX, with the worst status marked as 6089 days late. 

Since then, I have taken corrective steps to regain control of my financial obligations and have made consistent, on-time payments from XX/XX/XXXX through XX/XX/XXXX, as reflected in the payment history. The account is currently open, in good standing, and marked current, with a reported past due amount of {$82.00}. 

These late payments were isolated incidents during a brief period of financial difficulty and are not indicative of my long-term payment behavior. I have since demonstrated a clear pattern of responsibility and continued engagement with the account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am submitting this complaint due to ongoing and serious discrepancies in my American Express ( AMEX ) billing statements, downloaded directly from AMEX, which show repeated overpayments that are not being accurately acknowledged or reflected on my account. 

According to my most recent statement as of XX/XX/XXXX, the following applies : Payments & Credits : ( {$12000.00} ) Charges : {$12000.00} Net Overpayment : ( {$500.00} ) Additionally : XXXX Ending Overpayment Credit : ( {$110.00} ) Payment Made on XX/XX/XXXX : ( {$400.00} ) Total Overpayment/Credit Due to Me : ( {$1000.00} ) Despite this, my AMEX account is still showing a positive balance due of {$460.00}, which is false and misleading. 

I contacted AMEX by phone on XX/XX/XXXX, and the representative confirmed multiple overpayments, stating that they would carry over to the next month and be reflected properly on future statements. This has not occurred. There is no indication of any overpayment or negative balance, and the account continues to reflect a false debt in my favor. 

On XX/XX/XXXX, I received written notice from AMEX claiming that they had completed a reconciliation and found no errors. This directly contradicts the clear numerical evidence from my statements. AMEX reopened the dispute on XX/XX/XXXX, but the matter remains unresolved. 

This misrepresentation of my account XXXX overwhelming documentationraises concerns of deceptive billing practices and potentially fraudulent behavior under the Truth in Lending Act and Fair Credit Billing Act. 

I am requesting the following corrective actions : Immediate and accurate reflection of my credit balance totaling {$1000.00} A full written explanation and itemized reconciliation A change in statement formatting to clearly show credit balances as negative, not as false amounts due A formal apology for the continued misrepresentation, time lost, and undue stress caused As a financial XXXX and long-time AMEX XXXX XXXX I find this unacceptable and request regulatory assistance in ensuring AMEX complies XXXX fair and transparent billing practices.

Company response to consumer: Closed with explanation