vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
My fianc and I booked a trip to XXXX XXXX the beginning of XXXX of this year and came across this XXXX. We were suppose to stay from XX/XX/XXXX - XX/XX/XXXX and the total of the transaction is {$530.00}. The pictures of the unit seemed very attention grabbing and the XXXX seemed very luxurious so me and my partner booked it since our trip was very last minute and the complex looked very accommodating. Once we arrived at the unit, yes I admit the unit looked like the pictures but it was not luxurious at all, very misleading from the pictures. The oven was not cleaned had fragments of food, the soaps were expired and had clots on the inside from just sitting there for a long time now, and the blinds on the windows had some missing as shown in the picture so anyone could see form the outside to the inside of the unit having no privacy making it very uncomfortable. The garage key to park our vehicle was suppose to be in the unit by the time we got there and it was not in the unit and we were told that they towed vehicle if not parked accordingly, We got to the unit late almost close to XXXX so we were scared we would not get the garage key and get our vehicle towed in the middle of the night especially in an area that we've never been to. We just did not feel very accommodating from the beginning so we decided to cancel the stay at the unit and left to stay at at another hotel for the 4 nights of our trip and the documents are provided and attached to the email. The only thing is that its under my fiancs name since we had put the XXXX under my card but it does show it was for 2 guests. I would very much like help with this dispute. I would understand If I had stayed for a couple of days at least but we did not stay a single night at the XXXX and had to spend additional money for another hotel who made us feel more comfortable in our stay. I have already submitted 2 dispute under my apple credit card and they keep denying it, I recently re opened the case again on XX/XX/XXXX and submitted all the information they needed and got in touch with them to confirm they received the documents to support the dispute and they told me they never received them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NJ

Complaint narrative:
This letter is a formal request for validation of the debt you are attempting to collect. I am writing to you under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which requires you to validate this debt.

I dispute this debt and demand strict proof of its validity. I am requesting that you provide me with the following information and documentation to validate this alleged debt : 1. The exact amount of the debt, with an itemized breakdown of the principal, interest, fees, and any other charges.

2. The name and address of the original creditor.

3. Proof that I am the person obligated to pay this debt.

4. Proof that you are licensed to collect debts in my state ( if applicable ).

5. Proof that you are the current owner of this debt or have the legal right to collect on it, including a copy of the original agreement or contract bearing my signature.

6. A copy of any judgment if the debt is based on a judgment.

7. The date of the original transaction or last payment.

8. The date this account was opened by the original creditor.

Until you provide full validation of this debt as requested, you must cease all collection activities, including contacting me or reporting this debt to any credit reporting agency. If you have already reported this debt to any credit reporting agency ( such as XXXX, XXXX, or XXXX  ), I demand that you immediately notify them that the debt is disputed.

Please be advised that if you fail to provide the requested validation within 30 days of your receipt of this letter, I will assume the debt is not valid, and you must cease all collection efforts and remove any negative marks from my credit report related to this debt.

Thank you for your prompt attention to this matter.

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a written dispute to Experian in XXXX XXXX, requesting the removal of outdated and former addresses from my credit file. I included a copy of my government-issued ID and a utility bill showing my current address, as required. 

Experian processed my dispute but failed to remove the old addresses, even though they are no longer valid, are not my current residence, and are not tied to any open accounts. The same request was honored by XXXX  and XXXX, which removed the addresses with no issue. 

I attempted to submit a dispute online through Experians website, but it stated I must contact creditors to update my address information, despite the fact that I already submitted documentation verifying my current address and identity. 

Under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I have the right to dispute and request the removal of inaccurate, outdated, or unverifiable information. Experian has not provided a valid reason for retaining these addresses and is making it unnecessarily difficult to update my file.

I am requesting that Experian remove all outdated and incorrect former addresses from my credit report and provide written confirmation of the update.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
The account shows past due balance and the amount owed is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-15 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: LA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have refinanced with Capital one auto finance- I moved to XXXX I neeed my title send to the auto tag company- it has been two months and it is still not there- tryingo get a hold of a human to resovle any issue takes 2 months?? This is effecting my driving to and from work and family members that need my help. I need to get my car registerd like two months ago and Caital One auto is really messing with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/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 2025-07-15 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.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2025 at XXXX, I am unable to access my Citi XXXX XXXX account. The error that I got is " Our system is experiencing temporary delays. Please try again later. '' The service level agreement should be that my online account should be available 99.9999 % of the time.

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 2025-07-15 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: Coastal Capital Processing, LLC
State: FL

Complaint narrative:
New Account Date : XXXX XXXX XXXX Name : XXXX XXXX Industry Type : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, OH, XXXX Inquiree Address : XXXX XXXX XXXX XXXX FL, XXXX New Inquiry Date : XXXX XXXX XXXX Name : XXXX XXXXXXXX Phone Number : XXXX Industry Type : Bank Inquirer Address : XXXXXXXX XXXX XXXX XXXX, VA, XXXX Inquiree Address : XXXX XXXX XXXX, XXXX, FL, XXXX These accounts/ inquiries were opened fraudulently. 

Action : I contacted XXXX  XXXX and closed the account but am unsure if it was reported back as fraud. I tried to contact XXXX XXXX, no response.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-15 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: DC

Complaint narrative:
Since a closed account can not accumulate new delinquencies, this reporting is inaccurate and must be corrected immediately. Per 15 U.S.C. 1666b, creditors must ensure accurate and fair reporting. XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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 was a victim of identity theft my credit card and identification was stolen and purchases made on my account and my account was sold to a collection agency

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 2025-07-15 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that
you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
After unauthorized activity on multiple peer to peer apps ( XXXX, paypal, XXXX XXXX, XXXX, etc ) was determined and after full access was restored. Once restored I tried to use my accounts again, I was able to make XXXX transactions then it was locked/frozen again. When inquiry is made, they say the decision is at a higher level they can't do anything about it. Then they end the call. 

I am just trying to recover from fraud and identity theft and remove the negative remarks from my name. They won't tell me what I need to do, who i can contact, or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian

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 2025-07-15 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: MD

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 non-monetary relief
Consumer complaint received 2025-07-15 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: VA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00}

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 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My bank account was hacked and I was charged numerous times. When I disputed it, Citibank claimed that the merchant said the chargers were valid even though I had proof ( that I sent ) that these charges were made via phone order from a number that is not mine. My account continues to be hacked and they will not help me. I have since opened a new bank account with another bank but want my money back from citi. Ive been a customer for years and its ridiculous that they wont believe me when theres fraud on my account.

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 monetary relief
Consumer complaint received 2025-07-15 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: NJ

Complaint narrative:
I am disputing a false late payment reported for XX/XX/year> on my XXXX account ( XXXX # XXXX ). I have always paid this account on time and in full. Only Equifax is reporting the payment history accurately, while TransUnion and Experian are falsely reporting it as late. This is a direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), which requires all consumer reporting agencies to maintain maximum possible accuracy. I never received any notice of delinquency, and I never missed a payment. This error is damaging my credit, blocking me from getting approved for housing and essential financing. Despite my prior disputes, the inaccurate data remains. I am requesting that the CFPB investigate this matter and ensure the late payment is permanently removed and updated to Paid as Agreed.

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 2025-07-15 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:
The identified transactions are not information related to any transaction completed by me as a consumer : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

Company response to consumer: Closed with non-monetary relief