vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: FL

Complaint narrative:
Apple Card kept siding with merchant XXXX after they clearly violated policy on warranty and refund and exchange.

I was charged {$1600.00} for a washer and dryer both went defective within the first 2 months. I
contacted XXXX and was told I have to take item issues with manufacturer which is located in XXXX. As per XXXX policy they dont fix or help with items until 365 days after purchase. 

I contact manufacturer and it was terrible I even emailed them and they told me they got my inquiry and never responded until 3 months later.

So I disputed because none of my issues even got attempted to get fix by manufacturer. So when I disputed XXXX who said they cant do nothing until a year after purchase decided to contact me.

The only reason they contacted me is cause I disputed the charge but remember they cant do nothing for 365 days after purchase. With my dispute I provided Goldman Sachs with sufficient evidence of XXXX violating policy. 

Goldman Sachs kept siding with merchant. They kept giving me the credit back then reversing it saying my evidence wasnt enough when evidence clearly shows XXXX in the wrong. I told the XXXX consumer dept to come pick up their items it had been a few months and no help. 

I disputed charge multiple times and Goldman Sachs still sided with merchant. So I stopped paying them until issue was fixed and for them to reverse siding with the merchant. After multiple times of disputing and turning in same evidence over and over I gave up and they finally closed my account but they did it to negatively affect my credit. 

Also I was misled on interest rates. Goldman Sachs mishandled my disputes, engaged in misleading marketing and imposed wrongful charges on my account. 

My disputes were met with a few mistakes such as untimely responses, failure to provide required credits, inaccurate reports about consumers to consumer reporting agencies and failure to properly investigate and resolve the disputes that I submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: LA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
We took a Heloc from XXXX XXXX. They paid some of our credit cards directly, including my Apple Card. They submitted my Apple Card payment in my wifes name instead of mine and for the last digit of my account number incorrect. Apple received this payment on XX/XX/year>. They still have not applied the payment OR sent it back to XXXX Ive escalated this issue twice, once in writing in an email and once over the phone speaking with a supervisor. Apple is telling me its on Goldman Sachs and they have no way of contacting them directly. The supervisor sent an email over to their team but we still havent received a resolution. Its been two weeks and Apple still hasnt returned or applied the payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I am filing this complaint against Fair Collections & Outsourcing , Inc. for reporting inaccurate information to the credit bureaus and for their refusal to validate a debt as required by federal law. 

On XX/XX/year>, I sent a formal written request to

Fair Collections & Outsourcing asking for the chain of assignment and a breakdown of fees regarding a debt they are reporting in the amount of {$8300.00}. I never received the chain of assignment or any legally sufficient documentation to support the amount they are claiming I owe. The fee breakdown they did provide included inflated and inconsistent charges including what appears to be double-billed fees and no evidence to support the amounts. I specifically requested proof that justifies these fees, and to date, they have not provided it. This account continues to be reported to the credit bureaus despite their failure to validate the debt or prove that it is legally owed. I believe this is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). It also may constitute deceptive trade practices under Texas law, as I have reason to believe the debt is being misrepresented and is not based on accurate, verified documentation. Fair Collections & Outsourcing has failed to meet their legal obligation to validate the debt, yet they continue to damage my credit standing by reporting this account. This has caused stress and harm to my financial credibility.

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 2025-04-22 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
I signed up to receive new phone service through XXXX  but then afterwards returned their items for reasons of faulty service errors that were intolerable and unacceptable in functioning correctly. Afterwards XXXX decided to bill me for the amount of debt surmountable from that transaction. This product was never rendered and so that debt is not mine with XXXX XXXX XXXX source receivables management. This falsifications fraud has also impacted my credibility and financial score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I went to a website XXXX to view resume templates. The site specifically states the site is free. I was charged {$1.00} in XXXX and then XXXX in XXXX each time disputed this claim with the merchant who ignored me. I contacted my bank and they said because I visited this website they could not help me. The terms with BOA is I would not be liable for unauthorized charges but they refuse to help to have charge removed from 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 explanation
Consumer complaint received 2025-04-22 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: NC

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Recently I opened a credit card account with XXXX XXXX! I had a charge for XXXX and XXXX coming out of XXXX bank account that I did not authorize! After several times call the credit card company the told my that my account was blocked because of fraudulent activity, they never told me me that someone changed my address or anything, I found all this out from XXXX XXXX  that emailed me about a change of address! Next I called Experian customer service department! They confirmed someone changed my address, it had been put on my credit report! XXXX didnt help at all, they gave me a hard time, I wanted to correct the address that never changed on my end and they told me if I didnt know what the address was changed to, they couldnt help me, thank god my bank sent me the address it had been changed to, Experian has flagged it, know have to make a police report, on top of that XXXX sent out a letter for me to verify my identity to the address it had been charged to in New York ! Im very disappointed with 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 2025-04-22 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: VA

Complaint narrative:
Between XXXX and XXXX, someone used my identity without my knowledge or authorization to open multiple fraudulent accounts. In XX/XX/XXXX, a fraudulent account in the amount of {$770.00} was opened with a company listed as XXXX XXXX. I discovered this activity in XX/XX/XXXX upon reviewing my credit report. Under the Fair Credit Reporting Act, specifically 15 U.S. Code 1681c-2, consumer reporting agencies are required to block and remove fraudulent information from a consumers file within four business days upon receiving : - Proof of the consumer 's identity - A copy of a valid identity theft report - A written statement identifying the fraudulent information In compliance with this law, I submitted an Identity Theft Report to the Federal Trade Commission on XX/XX/XXXX. I have formally disputed the fraudulent information and requested that the account be blocked and permanently removed from my credit report. This account was opened through identity theft and should not be associated with me. I am exercising my rights under the FCRA and request that the company take immediate action to resolve and remove this fraudulent item from all records. Let me know if you want to reference additional laws like the Fair Debt Collection Practices Act ( FDCPA ),

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: OH

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 6

05B ( 15 U.S.C. 1681c-2 ) that you, the Equifax and Experian 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 a personal credit card account. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: AL

Complaint narrative:
On XX/XX/year>, I sent a complaint through the XXXX XXXX XXXX XXXX to XXXX XXXX XXXX ( parent company XXXX XXXX XXXX XXXX XXXX ) about a fraudulent bankruptcy that appears on my credit report. Mind you, this was a follow-up complaint. I had already filed one earlier about me being a victim of Identity Theft and this fraudulent bankruptcy that continues to plague my report. They responded by asking me to provide, as proof of Identity Theft : a Police Report, my I.D . & SS Card, proof of residency, etc. I provided everything that was requested and they have yet to make a response. I know that they received the documents and as proof of this, I have attached a copy of the original complaint that was filed as well as a copy of the non-response letter that I received from the XXXX. It has been more than 30 days without a response and per my rights as a consumer, I am requesting that this account be deleted from my credit report, from XXXX 's files, and that they not be able to provide this fraudulent information to any other credit reporting agency. As I mentioned earlier, I have filed a complaint about this company earlier the shenanigans that they have pulled in the past. I am humbly requesting that my rights as a consumer be protected and that this company not be allowed to perpetrate this fraud against anyone else. Thank you again, 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 non-monetary relief
Consumer complaint received 2025-04-22 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-22 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: VA

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance 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 non-monetary relief
Consumer complaint received 2025-04-22 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:
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 2025-04-22 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: CA

Complaint narrative:
Im reaching out because I recently reviewed my credit report and noticed some accounts listed that I never opened or authorized. Ive never had any dealings with these companies, and seeing them show up on my report was both confusing and alarming. Just to be clearthese accounts are not mine. I didnt open them, I didnt give anyone permission to use my information, and I have no connection to them whatsoever. It seems like my personal information may have been used without my knowledge.

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 2025-04-22 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: LA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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