vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: GA

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

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 2025-05-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights XXXX privacy XXXX confidentiality under 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 WFC - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX - XXXX XXXX - XXXX XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating XXXX a consumer XXXX any consumer reporting agency if the person knows or has reasonable cause XXXX believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the charge-off reported on my credit report, as it contains significant inaccuracies in violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX XXXX XXXX b ), which requires consumer reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information. '' The charge-off entry for XXXX XXXX Co XXXX XXXX reported in the following ways : Open date : XX/XX/XXXX Close date : XX/XX/XXXX Current balance does not reflect payments made/settlements/corrections, etc. 

Account status fails to show relevant updates. It's reported as a charge off for multiple months when it should have been charged off only once. 

Under XXXX XXXX XXXX ( b ), you have failed to maintain reasonable procedures to ensure maximum possible accuracy of my consumer information. This inaccurate reporting has caused significant damage to my creditworthiness and ability to obtain credit. 

I demand that you : Conduct a reasonable investigation of these inaccuracies Remove or correct the charge-off entry within XXXX days Provide documentation showing how you verified this information 's accuracy Send me an updated copy of my credit report showing the corrections If these actions are not taken within the statutory timeframe, I will pursue additional remedies available under the FCRA, including seeking actual and punitive damages. 

Sincerely, 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 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Transaction Date : XX/XX/XXXX Merchant : Tire Rack Amount : {$1500.00} Case Number : # XXXX This charge is fraudulent. I did not authorize or make this purchase. The fraudster used my email, contact information, XXXX  home addressan apartment buildingto place the order. Upon noticing the charge on XX/XX/XXXX, I immediately contacted XXXX Rack XXXX report the fraud. They informed me that the shipment had already been made but assured me they would notify their supervisor. I then promptly disputed the charge with Goldman Sachs through the XXXX XXXX app XXXX followed up via phone support. 

Despite my diligence, this issue has dragged on for XXXX months with no resolution. The dispute has been repeatedly denied, citing a lack of evidence on my part. This is deeply frustrating XXXX  unreasonableI can not provide evidence for a transaction I did not initiate. The burden of proof should not fall solely on me when my account information was clearly compromised through no fault of my own. 

On XX/XX/XXXX, I spoke with a supervisor at Goldman Sachs XXXX requested escalation XXXX XXXX services due XXXX the ongoing delays XXXX denials. However, on XX/XX/XXXX, I noticed the charge had reappeared on my statement. I immediately chatted with support again, reiterating my request for XXXX services XXXX intervene, yet I have seen no meaningful progress. Once again, I have received an email on XX/XX/XXXX from Goldman Sachs indicating the original decision will remain because there is no evidence XXXX substantiate the claim. This cycle of disputes, denials, XXXX reapplications of the charge is unacceptable XXXX  has caused me significant distress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights XXXX privacy XXXX  confidentiality under XXXX XXXX XXXX. 

TRANSUNION XXXX FCU XXXX * * * * XXXX FCU XXXX * * * * XXXX FCU XXXX * * * * * * * * * * * * has violated my rights. 

EQUIFAX XXXX XXXX XXXX * * * * * * XXXX XXXX XXXX * * * * * * * * * * XXXX XXXX XXXX * * * * * * * * * * * XXXX XXXX XXXX * * * * * * * * * XXXX XXXX XXXX * * * * * * * * * * * * * * XXXX XX/XX/XXXX has violated my rights. 

EXPERIAN XXXX XXXX  XXXX * * * * * * XXXX FCU XXXX * * * * XXXX FEDERAL XXXX XXXX XXXX * XXXX FCU XXXX * * * * XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, XXXX noticed some things are incomplete XXXX not accurate. XXXX according XXXX the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures XXXX assure maximum possible accuracy of the information concerning the individual about whom the report relates according XXXX XXXX XXXX XXXX ( XXXX ) ( b ). 

XXXX according XXXX XXXX XXXX XXXX XXXX they are suppose XXXX do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; XXXX ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX according XXXX XXXX XXXX XXXX they are suppose XXXX not furnish any information relating XXXX a consumer XXXX any consumer reporting agency if the person knows or has reasonable cause XXXX believe that the information is inaccurate.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I insist that these fraudulent accounts be eliminated from my credit report, as I never opened them XXXX had no knowledge of their existence. Per XXXX XXXX, I am requesting their deletion within XXXX days. Enclosed are relevant documents as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: WA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated XXXX verify the accuracy XXXX  legitimacy of any disputed information within XXXX days of receiving this notice. If the disputed information is the result of a data breach, the FCRA further requires that it be removed or blocked within XXXX business days. Should you be unable XXXX verify the item, you are required by law XXXX delete it from my credit report. 

I have submitted a notarized affidavit affirming that my credit file contains fraudulent accounts XXXX unauthorized inquiries. In light of this sworn declaration, I am requesting immediate action XXXX delete or block the disputed entries in order XXXX prevent further harm XXXX ensure full compliance with federal law. 

If you fail XXXX verify the disputed information XXXX  continue XXXX report it in violation of the FCRA, I will be compelled XXXX pursue legal remedies, including actual damages XXXX declaratory relief, under FCRA XXXX Civil Liability for Willful Noncompliance [ XXXX XXXX. XXXX ]. For your reference, I have enclosed a copy of this statute. This provision grants me the right XXXX initiate legal proceedings in any appropriate federal or state court, including small claims court. 

I trust you will address this matter promptly XXXX in full compliance with your legal responsibilities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
In my XXXX  credit report dated XX/XX/year>, the Apple Card account from Goldman Sachs Bank USA is listed as " charged off '' with an active balance of {$7100.00}, and was recently updated. This is legally contradictory. A charged-off account should not reflect new balance activity unless it has been validated, restructured, or reactivated, which has not occurred. 

I sent two formal debt validation requests directly to Goldman Sachs on XX/XX/year> and XX/XX/year> ( via certified mail ), requesting the original signed contract, full payment ledger, 1099-C ( if applicable ), and proof of legal right to report and update the account. No response was received. 

Despite this, XXXX  marked my dispute ( Dispute ID : XXXX ) as Verified and Updated, but failed to explain the basis or provide documentation from the furnisher. This violates the following laws : FCRA 611 ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 5 ) ( A ) : Failure to delete unverifiable information FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing data known to be inaccurate CFPA 1031 ( 12 U.S.C. 5531 ) : Engaging in deceptive and abusive practices TILA 1637 ( b ) : Failure to provide required billing and validation statements I request that the CFPB investigate this improper handling of my dispute and require both XXXX  and Goldman Sachs Bank USA to fully validate or delete this account. I am attaching supporting evidence upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I have discovered in XX/XX/XXXX that my personal information is being used to open accounts that I do not recognize and have not authorized.I need them to be BLOCKED. This situation is extremely distressing for me, as it directly affects both my credit history and my personal security. as this is clearly a case of identity theft. This is a very serious matter for me. these are the accounts XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX XXXX - XXXX opened on XX/XX/XXXX XXXX  - Installment, opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) -collection. opened on, XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have discovered in XX/XX/XXXX that my personal information is being used to open accounts that I do not recognize and have not authorized.I need them to be BLOCKED. This situation is extremely distressing for me, as it directly affects both my credit history and my personal security. as this is clearly a case of identity theft. This is a very serious matter for me. these are the accounts XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX XXXX - XXXX opened on XX/XX/XXXX XXXX  - Installment, opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) -collection. opened on, XX/XX/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 explanation
Consumer complaint received 2025-05-08 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: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2025-05-08 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: FL

Complaint narrative:
Theres an account showing up on my credit report that I did not open and did not authorize this is a clear case of identity theft. Someone fraudulently used my personal information, and I will not be held responsible for an account that has absolutely nothing to do with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: Experian Information Solutions Inc.
State: MI

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 explanation
Consumer complaint received 2025-05-08 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Credit Reporting Issue Summary : I am submitting this complaint regarding inaccurate and unfair credit reporting by [ Comenity Bank ]. Despite multiple goodwill adjustment requests and attempts to resolve this matter directly, the company has refused to reconsider my situation, which is unjustly impacting my financial well-being. Details of the Complaint : Prior to my financial hardship due to unforeseen job loss, I had a strong payment history, consistently making on-time payments and even utilizing automatic payments to ensure financial responsibility. My job loss led to temporary financial instability, causing me to fall behind on paymentsnot due to negligence but due to circumstances beyond my control. Since that time, I have regained financial stability and am fully capable of managing my account going forward. Despite this, [ Comenity Bank ] has refused to provide a goodwill adjustment or acknowledge my previously strong credit history, even though similar companies offer such adjustments under the Fair Credit Reporting Act ( FCRA ) guidelines. Their failure to review my request in good faith has resulted in a dramatic and unfair decline in my credit score, despite my efforts to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
I believe these accounts are fraudulent and have no connection to them. I ask that they be removed from my credit record right away and that a thorough investigation be conducted. Supporting documentation is enclosed.

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 2025-05-08 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: OH

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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