vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
Apple/Goldman Sachs has willfully violated the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) through mishandling of disputes, contradictory certifications, and furnishing knowingly false information.

Violations include : FCRA 1681s-2 ( b ) : failure to conduct a reasonable investigation after dispute.

FCRA 1681e ( b ) : failure to ensure maximum possible accuracy.

FCRA 1681i : failure to properly reinvestigate disputes.

FCRA 1681n : willful noncompliance by furnishing information they admitted was false.

TILA 1666 : failure to properly investigate and resolve a billing error claim.

Apple/Goldman Sachs has furnished a XX/XX/year> XXXX late that is factually inaccurate. I have written documentation from Apple/Goldman Sachs admitting this reporting was incorrect. Yet, in earlier responses, they insisted the reporting was accurate. These contradictory certifications show they are not conducting a reasonable investigation as required under FCRA 1681s-2 ( b ).

Despite acknowledging the inaccuracy, Apple/Goldman Sachs continues to furnish this false negative information to consumer reporting agencies. These agencies in turn sell and resell the data for profit, spreading harm to my creditworthiness and financial standing. This is a knowing act that falls under willful noncompliance per FCRA 1681n. Therefore, I am filing this complaint due to Apple Card/Goldman Sachs mishandling of credit reporting disputes , contradictory statements, and willful violations of the Fair Credit Reporting Act ( FCRA ). 

This is not an isolated incident but a pattern of procedural abuse : Contradictory certifications about the same account. 
Mishandling of dispute documentation. 
Furnishing information they know ( and have admitted ) to be false. 
Failure to promptly correct or block inaccurate information as required by law.

These actions constitute violations of the FCRA, including 1681s-2 ( b ) ( failure to reasonably investigate and correct ), 1681e ( b ) ( failure to maintain maximum possible accuracy ), and 1681i ( failure to properly reinvestigate ).

I request immediate correction of my Apple Card account to reflect its true history, permanent removal of the false late payment, and confirmation that no further negative information will be furnished or sold based on this admitted inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-01 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-01 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: SC

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX 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 XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: AZ

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the account ( s ) listed below were returned as " verified '' without providing me with the details of the investigation. 

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, Public Record - XXXX XXXX  XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account.

A description of the procedures used to verify the accuracy and completeness of the disputed account.

All documentation you have on file retrieved during your investigation.

Who did you interview regarding the aforementioned account?

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information.

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within 5 business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ; under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney & undefined ; s fees as determined by the court.

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 2025-09-01 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: AZ

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the account ( s ) listed below were returned as " verified '' without providing me with the details of the investigation. 

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, Public Record - XXXX XXXX  XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account.

A description of the procedures used to verify the accuracy and completeness of the disputed account.

All documentation you have on file retrieved during your investigation.

Who did you interview regarding the aforementioned account?

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information.

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within 5 business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ; under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney & undefined ; s fees as determined by the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. Fraudulent accounts remain on my credit report despite my requests to XXXX XXXX XXXX XXXX to block them under FCRA 605B ( 15 U.S.C. 1681c-2 ). Fraudulent accounts : National Credit System Accounts # XXXX Balance {$7800.00} XXXX XXXX XXXX Account # XXXX Balance {$4100.00XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$1600.00}. I submitted my FTC Identity Theft Report, SSN, government ID, and proof of address. Federal law requires the credit bureaus to block identity theft accounts within 4 business days. No police report is needed. I request CFPB intervention to ensure immediate removal and investigate any FCRA violations. I demand written confirmation once resolved. My credit score has dropped significantly Ive been denied credit, housing, and financing opportunities Ive incurred emotional distress, frustration, and legal costs My identity theft issues have been prolonged unnecessarily Legal Action and Regulatory Complaints : I have retained legal counsel and will pursue litigation if these fraudulent accounts are not removed within 4 business days. I will be seeking : Permanent deletion of the listed accounts Actual and punitive damages Statutory penalties Attorneys fees and all applicable remedies under law Additionally, I will be filing formal complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney Generals Office A written confirmation that these accounts have been blocked and will not be reinserted 3. Cease any future reinsertion or reporting of these accounts without verifiable documentation and my express written consent If this matter is not resolved within 4 business days, I will proceed with litigation and escalate the issue through every available legal and regulatory channel.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: MI

Complaint narrative:
I am a victim of identity theft. The following accounts and/or inquiries on my credit report are not mine and were opened or placed without my knowledge, authorization, or consent. I did not receive any benefit or services from these accounts and I am disputing their validity. 

I am requesting protection under the Fair Credit Reporting Act, Section 605B, which requires consumer reporting agencies to block fraudulent information within 4 business days upon receiving an identity theft report. 

I declare this information is true and correct to the best of 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 2025-09-01 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: IL

Complaint narrative:
The following items are fraudulent and were never authorized by me. I have reported the theft to the FTC and submitted an Identity Theft Report, along with all required documentation. The continued reporting of these items violates the FCRA, specifically Section 605B, which mandates that credit bureaus block identity theft-related information. No signed contracts or valid documentation have been provided. Remove these accounts from my file at once.

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 2025-09-01 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: IL

Complaint narrative:
The following items are fraudulent and were never authorized by me. I have reported the theft to the FTC and submitted an Identity Theft Report, along with all required documentation. The continued reporting of these items violates the FCRA, specifically Section 605B, which mandates that credit bureaus block identity theft-related information. No signed contracts or valid documentation have been provided. Remove these accounts from my file at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: NY

Complaint narrative:
XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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 compXXXX 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 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have been trying repeatedly to have a dispute from XXXX XXXX removed from my credit report and I can not get through to anyone at XXXX XXXX or 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 2025-09-01 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: TX

Complaint narrative:
On [ insert date ], I filed an identity theft dispute directly with the credit bureau. I provided all required documents, including proof of identity and an identity theft report, and I requested removal of fraudulent accounts and inquiries under 15 U.S.C. 1681c-2 ( FCRA Section 605B ). 

The law requires that fraudulent information be blocked within XXXX business days once proper documentation is submitted. I also requested a response in writing. 

To date, the bureau has failed to respond and has not removed the fraudulent accounts. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Violations include : FCRA 605B Failure to block fraudulent information within XXXX business days. 

FCRA 611 Failure to reinvestigate disputes and provide results within 30 days.

FCRA 607 ( b ) Failure to maintain reasonable procedures for maximum accuracy.

What I want : Immediate deletion of all fraudulent accounts, inquiries, and tradelines tied to my identity theft report. 

Written confirmation of the deletions. 

Assurance that no fraudulent information will be reinserted into my file without full compliance with FCRA 611 ( a ) ( 5 ).

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 2025-09-01 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: TX

Complaint narrative:
On [ insert date ], I filed an identity theft dispute directly with the credit bureau. I provided all required documents, including proof of identity and an identity theft report, and I requested removal of fraudulent accounts and inquiries under 15 U.S.C. 1681c-2 ( FCRA Section 605B ). 

The law requires that fraudulent information be blocked within XXXX business days once proper documentation is submitted. I also requested a response in writing. 

To date, the bureau has failed to respond and has not removed the fraudulent accounts. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Violations include : FCRA 605B Failure to block fraudulent information within XXXX business days. 

FCRA 611 Failure to reinvestigate disputes and provide results within 30 days.

FCRA 607 ( b ) Failure to maintain reasonable procedures for maximum accuracy.

What I want : Immediate deletion of all fraudulent accounts, inquiries, and tradelines tied to my identity theft report. 

Written confirmation of the deletions. 

Assurance that no fraudulent information will be reinserted into my file without full compliance with FCRA 611 ( a ) ( 5 ).

Company response to consumer: Closed with explanation