vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue one before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with XXXX XXXX  or any of the affiliates. I have confirmed and advised XXXX XXXX  that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how XXXX XXXX  approved a credit under my name, without doing any further review and confirmation. Given the fact that XXXX XXXX  has the right to investigate and obtain all necessary information prior to approving any credits, XXXX XXXX  has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, XXXX XXXX  must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the Federal laws that XXXX XXXX  must comply with prior to approving any credit card/lines to anyone. Pursuant to XXXXXXXX XXXX XXXX online advertisement, XXXX XXXX encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from XXXX XXXX  stating that my information was used or attempted to be used in order to open an account. Thus, XXXX XXXX  has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, XXXX XXXX  violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's due diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for XXXX XXXX  to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I lost my wallet which had my debit cards, pin for my debit card and Id. Someone used my debit cards at the ATM Which was not authorized by me. I filed a police report and contacted my bank and told them about the situation, and a dispute was submitted regarding the unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Sir or Madam, I am writing to request a copy of my credit report from your agency. Please ensure that my credit report reflects only one name, XXXX XXXX XXXX, and one address, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Any other names or addresses associated with my report should be removed. Additionally, please remove my Social Security number, any phone numbers, and any email links from the report. 

To verify my identity, I have enclosed copies of my driver 's license, Social Security card, and a recent utility bill. Please send the credit report to the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX : Driver 's License, Social Security Card, Utility Bill

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 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I was put on a payment plan in XX/XX/year> to catch up on account. Since XXXX I have made all of my payments plus extra payments to bring this account to a positive status. I am not delinquent and owe less than my balance and have been making my monthly payment on time every month. Ally is still reporting my account as of XXXX XXXX 180 days ( 6 months ) past due. This is extremely frustrating and ruing my credit score. Im getting no help from Ally on rectifying this.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My job advised us last month that my personal information such as social security number, DOB, addresses, etc was apart of a Cybersecurity leak around XX/XX/year>. I've had alot of attempt to use my credit. I need any soft or hard credit removed from my credit report and I don't know how to go about it.

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 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XX/XX/year> I was notified through my credit report I owed a balance of {$380.00} to liberty mutual insurance. I called and explained I was a victim of identity fraud. To no prevail I attempted to dispute this debt from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA XXXX, including : XXXX. A signed FTC Identity Theft Report XXXX. A police report filed with my local Police Department XXXX. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA XXXX ( a ) : see attachment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA XXXX, including : XXXX. A signed FTC Identity Theft Report XXXX. A police report filed with my local Police Department XXXX. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA XXXX ( a ) : see attachment

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 2025-08-03 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, EXPERIAN credit reporting agency block information appearing on my consumer credit report that is result of identity theft and fraud within XXXX business days of receiving this complaint. This false, inaccurate, and fraudulent information consist of auto loans, personal loans, collections ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY These accounts have resulted in several fraudulent inquiries and accounts on my consumer XXXX report. I've attached a list of the accounts. I do not recognize the aforementioned accounts, collections, and inquiries reported.The aforementioned accounts you have on file on my consumer report was not initiated by me nor opened ; they are a result of identity theft. I have attached my FTC report as a result that the mentioned accounts were opened fraudulently.

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 2025-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: NY

Complaint narrative:
On XX/XX/year>, I logged into my XXXX account to pay my monthly student loan fee early and noticed that I supposedly missed the XXXX payment of around {$120.00}. I always pay an additional ~ {$25.00}, so my monthly payments are {$150.00} for my student loans and have been since the XXXX forbearance ended. Throughout XXXX I had double checked via my bank statements to make sure I had paid my loans and noted I had. 

I have bank statements stating I had made XXXX separate student loan payments on XX/XX/year>, which is before my pay date, that equated to {$140.00} and the money was withdrawn from XXXX XXXX  account on XX/XX/year> : the {$120.00} going towards all loans and an additional {$25.00} to XXXX  XXXX specific loan. According to the pay history of XXXX, I paid on XX/XX/year>, but my account is flagged that I have missed a payment in XXXX. Therefore, as of now I supposedly owe {$240.00} despite paying last month. 

When trying to reach out via chat bot, as well as prior experience with questions, XXXX does not respond despite a few attempts to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: CT

Complaint narrative:
This account was charged off on the following date XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations and has violated my rights. I am demanding a deletion of the following account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: Bounce AI, Inc.
State: OH

Complaint narrative:
Ive found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and I am requesting a full investigation under the fair credit reporting act ( FCRA ). Please remove this unverifiable item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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:
The Negative Collection named XXXX & XXXX was removed from my XXXX  report but it was not removed from my Transunion can you guys please make sure its removed from all 3 credit bureaus and not just 1. Immediately

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 2025-08-03 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: IL

Complaint narrative:
I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 

XXXX XXXX - XX/XX/XXXX - This inquiry is reporting not accurately on my report - The following inquiry was not accurately on my report. 

XXXX - XX/XX/XXXX - This inquiry is reporting not accurately on my report - The following inquiry was not accurately on my report. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - This inquiry is reporting not accurately on my report- The following inquiry was not accurately on my report. 

XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX - This inquiry is reporting not accurately on my report- The following inquiry was not accurately on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, TRANSUNION credit reporting agency block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of receiving this complaint. This false, inaccurate, and fraudulent information consist of auto loans, personal loans, collections XXXX  XXXX XXXX {$590.00} XXXX XXXX {$0.00} XXXX XXXX {$280.00} XXXX XXXX {$460.00} XXXX  XXXX {$750.00} XXXX XXXX XXXX These accounts have resulted in several fraudulent inquiries and accounts on my consumer XXXX report. I've attached a list of the accounts. I do not recognize the aforementioned accounts, collections, and inquiries reported.The aforementioned accounts you have on file on my consumer report was not initiated by me nor opened ; they are a result of identity theft. I have attached my FTC report as a result that the mentioned accounts were opened fraudulently.

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 2025-08-03 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I purchased a car from XXXX XXXX owned XX/XX/year> I paid progressive around {$580.00} to cover me for that month. I didnt receive my plate or registration. about a month later my car was repossessed not by my bank but by a a car dealership. The reason being the previous owner did not pay the car for so the repossessed my car. I immediately contacted my bank and progressive letting them know the car was repossessed. I spoke to a progressive explaining I wanted to cancel my coverage because I did not know when I was getting my car back i am not paying to insure a car I am not in possession of. I spoke to a representative via text chat who informed me I can not cancel my policy within the first 90 days without providing proof of insurance but due to my circumstances said that I could write them a email with my signature stating why I wanted to cancel my coverage and it would take up to 2 weeks for it to be processed. I submitted the email and was told it would take two weeks to process. 3 weeks go by I receive no response from progressive and notice a late payment and they try to debit funds from my account. so I decide to call and explain the situation. This representative not tells me that I can not cancel my coverage via email with a signature and that everything the previous representative told me was false. They then told me that I would need a letter from the dealership that had my car repoed verifying the repossession. The shady dealership is no longer in business and all attempts to contact them have yielded in nothing. I provided proof with a repossession letter from the tow company but I was told that wasnt enough. I refuse to pay coverage for a car that I wasnt in possession of and I was purposely misinformed on how to cancel my coverage just to receive a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
I previously disputed a US Dept of Education student loan account that was deleted/removed from my credit report. However, the account has now been reinserted and is reporting a balance increase from {$1900.00} to {$1900.00} as of XX/XX/year>, without me receiving the required FCRA 611 ( a ) ( 5 ) ( B ) reinsertion notice. 

This reinsertion is both inaccurate and illegal under the FCRA. I am requesting that this account be permanently deleted from my credit report and that a compliance investigation be opened regarding this violation. Screenshots of the recent balance increase and reporting activity are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I've requested this information be validated and proof be sent on how this decision was made : this inquiry was made I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately.

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 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash App has taken my funds in my account with XXXX. They closed the account on XX/XX/year> and froze my funds making it ineligible for me to withdraw my XXXX money was acquired through the bitcoin portion cashed out to my account. I have been in constant communication with support for over a month, they asked for documentation like a bill or bank statement proving it was me on XX/XX/year> which I provided. Then on XX/XX/year> they sent an email from XXXX, the agent named XXXX stated : They are unable to provide further information regarding my account and to contact the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with email : XXXX with case number XXXX. I live in Georgia and haven't conducted any business in Texas to date. When I emailed the XXXX they told me to call with my full legal name, date of birth, case number and cash app name. So I didn't feel comfortable with this and as of XX/XX/year> they still have not let me withdraw my funds to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: MA

Complaint narrative:
XXXX t XXXX XXXX XXXX XXXX XXXX ma XXXX XX/XX/XXXX TransUnion XXXX. XXXX XXXX, PA XXXX Dispute of Inaccurate Information XXXXXXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) Dear TransUnion Dispute Department, I am writing to formally dispute an inaccurate and potentially misleading item on my credit report. The account in question is listed under the name XXXXXXXX XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX Here are the details TransUnion is currently reporting : * Account Type : Installment ( Auto Loan ) * Date Opened : XX/XX/XXXX * Date Closed / Last Reported : XX/XX/XXXX * Balance : {$0.00} * High Credit : {$8800.00} * Payment Status : 60 Days Late * Monthly Payment : {$0.00} * Account Status : Closed I am disputing the XXXX late payment being reported on or around XX/XX/XXXX for the following reasons : XXXX. The account was closed with a {$0.00} balance and fully paid as of the last reported date. 
XXXX. The timing of the reported XXXX delinquency appears inaccurate, misleading, and inconsistent with the final payment and closed status. 
XXXX. This negative mark appears only on my TransUnion report it does not appear on XXXX XXXX XXXX making the reporting incomplete and potentially damaging. 
XXXX. Under the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), TransUnion is obligated to ensure the maximum possible accuracy of all credit entries.

5. Under FCRA Section 611, I am requesting a full investigation and deletion of this item unless your bureau can furnish written verification from the original creditor including documentation proving the 60-day delinquency and the timing of its reporting.

I am requesting that this account be either : * Corrected to reflect accurate, consistent, and verified information across all bureaus ; or * Deleted entirely if you can not provide evidence to substantiate the accuracy of this negative mark.

Enclosed are copies of my drivers license, Social Security card ( last 4 digits ), and a utility bill to verify my identity.

Please complete your investigation and respond in writing within the 30-day window required under FCRA. I also request a new copy of my updated credit report once the item is corrected or removed. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX : XXXX : XXXX : XXXX Email : 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