vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
In early XXXX of XXXX, I started receiving packages from XXXX addressed to a person who we did not know and who was not associated with our address. We contacted XXXX multiple times asking if there was a way to return the packages, to which they repeatedly told us that ( XXXX ) the name on the package does not match the card on file, ( XXXX ) they were unable to process a return without verification of the XXXX account that was used to make the purchases [ I, and my wife, do not have a XXXX account ], and ( XXXX ) that we can keep or toss the packages if they go unclaimed for over 48 hours. Because we had received multiple packages, we suspect a scam had occurred and began checking our credit cards. I then saw that there were unauthorized large purchases on my Apple Credit Card. The purchases were all from XXXX, and all delivered to an " XXXX XXXX. '' The dates and amounts are listed below : XX/XX/XXXX : {$680.00} XX/XX/XXXX : {$590.00} XX/XX/XXXX : {$1000.00} I immediately called Apple Credit and, per their recommendation, had my card number changed and filed a dispute. After doing so, another unauthorized purchase was attempted on my card on XX/XX/XXXX for a total of {$990.00}. Thankfully, since I had the card number changed, the purchase was declined. 

In XXXX of XXXX, I received notice that Apple had gotten in contact with the merchant to receive more information. However, on XX/XX/XXXX, my dispute was declined with a message stating that, based on their available information, the transaction was authorized. 

That same day, I reached out to Apple to which they only offered to resubmit the dispute. I agreed to this, and was once again declined on XX/XX/XXXX with the same message stating that the transaction was authorized. 

For a third time, I re-submitted the dispute and was, again, declined on XX/XX/XXXX. The same message was that the transaction was authorized based on their available information. 

I contacted Apple Card customer service and was informed that they most they can do is re-submit the dispute. I asked if there was any way to provide further information to help my case and I was told " Apple will reach out to you by e-mail should they need any more information. '' I then also asked if there was a way to get in touch with the investigating body, to which I was told that Apple doesn't " have contact with that party. '' I then agreed to do a fourth submission of this same dispute and am now waiting to hear back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mt ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Account Name- XXXX Account Number- 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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-10-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Midland Credit Management engaged in deceptive practices. In XX/XX/year>, I had a debt with them and was assured that as long as I maintained a payment arrangement, the account would not be reported to my credit file. The account appeared to be removed the following month, leading me to believe they were honoring that agreement. 
However, today ( XX/XX/year> ), I received a notification that the same balance was reported again inaccurately to my credit report. I contacted their customer service and was transferred to three different supervisors, none of whom provided any meaningful assistance. I was eventually told that the representative I originally spoke with had misinformed me, and that company policy is to report the account as being in collections regardless of payment arrangements.

This feels extremely deceptive. I made payments in good faith, believing I was preventing damage to my credit, only to be misled and have my credit negatively impacted. I am now exploring legal options against this company for what I believe to be unethical and potentially illegal practices. Consumers should be extremely cautious when dealing with Midland Credit Management

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX : I opened a XXXX Home XXXX  account. XXXX sent me the XXXX  router, and I used the service for a few weeks. 

XX/XX/XXXX ( approx. ) : I decided to close my XXXX account because I found a more affordable service provider. XXXX provided me with a XXXX return label for the equipment, and I shipped the router back the same day I closed the account. 

Following months ( XXXX  XXXX ) : I received a notice from XXXX stating that I owed {$260.00} for unreturned equipment. I contacted XXXX multiple times by phone, and their representatives confirmed that the router had been received and that the charge would be canceled. 

However, the issue was never corrected. XXXX failed to remove the charge from my account and sent the {$260.00} balance to collections. 

XX/XX/XXXX : When I applied to rent an apartment, my application was denied because of the XXXX collection on my credit report, even though the debt did not belong to me and XXXX had acknowledged receipt of their equipment. 

I am going through a divorce, and securing this apartment was extremely important for my emotional well-being and stability. Being denied the apartment caused significant emotional distress, in addition to the financial impact. I found myself to have to live with a friend because I could not apply for apartment by my own. 

As a result, I suffered damage to my credit, lost a housing opportunity I urgently needed, and endured unnecessary stress due to XXXX reporting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Branch Messenger, Inc.
State: WI

Complaint narrative:
On XX/XX/year>, I found transactions on my account that weren't authorized by me. I disputed the charges immediately while they were still pending. The charges were {$120.00} from XXXX in XXXX, OH and {$150.00} from XXXX out of XXXX, TX. I reside in XXXX, Wi... 
If this wasn't enough proof that this was fraud, it states on the transaction that it was purchased through XXXX pay. I do not, and never had, XXXX pay. I use XXXX products. 

I received a resolution to the dispute on XX/XX/year>, stating that no error has occurred and that it was authorized by me through text. 
I have authorization texts sent to my phone by the same company for rent every month, which happened before and after the fraudulent occurrence and received nothing in between. 
I emailed the company to appeal its decision and provided all the additional evidence, and they either neglected to consider it or neglected to take action against the issue entirely. 

When trying to call them about this decision, they refused to go into their reasoning for their results, the proof of my authorization, or to escalate the call to a supervisor to discuss the findings. They just repeated the same line " This dispute has been closed and we sent you an email about our decision. '' When I asked to have someone elaborate on their findings, they told me this conversation wasn't productive and ended the call. 

They lied about my authorization and determined that I was lying when providing them my evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mt ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Account Name- XXXXXXXX XXXX Account XXXX xxxxx XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 FRAUDULENT INQUIRIES : XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These accounts do not belong to me, nor did I authorize or consent to any transactions or agreements associated with them. 

Under the Fair Credit Reporting Act ( FCRA ), including Sections 602A, 604, 605B, 609, 611, and 623, I am exercising my right to dispute and request immediate investigation into these inaccuracies. These accounts are the result of identity theft, reporting errors, or unauthorized activity.

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 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year>, I placed an online order with XXXX XXXX ( order number XXXX ) and paid in full with my credit card. The package was shipped via XXXX ( tracking number XXXX ). 

According to XXXX, the package was marked as Delivered on XX/XX/year>, at XXXX PM in XXXX, NJ, but I never received it. 

On XX/XX/year>, I called XXXX XXXX XXXX XXXX and spoke with XXXX, requesting that an investigation be opened. However, within minutes, I received an email from XXXX XXXX stating that the investigation was denied and closed. 

Later that same day, I called XXXX and spoke with XXXX, who confirmed that no investigation had ever been opened by XXXX XXXX. Therefore, I personally opened a UPS claim ( Case # XXXX ) on XX/XX/year>, with an XXXX review period. 

On XX/XX/year>, XXXX confirmed that the case was still open but on hold because XXXX XXXX ( the sender ) had not submitted the required documentation. 
XXXX tracking history clearly shows : XX/XX/year> XXXX PM : Incomplete Documentation Received additional documentation required from sender. 
XX/XX/year> XXXX PM : Investigation to locate package begun. 
XX/XX/year> XXXX PM : Delivered ( not received by customer ). 

I sent a detailed email to XXXX XXXX on XX/XX/year>, explaining the facts and requesting that they provide the missing documents to XXXX and issue a refund once the investigation concluded. XXXX XXXX never responded. 

On XX/XX/year>, I filed a dispute with my credit card company, but the claim was denied and closed on XX/XX/year>, likely because XXXX XXXX reported the case as closed even though XXXX never received the required documents from them. 

As of XX/XX/year>, the XXXX tracking status still says : This claim requires additional documentation from the sender to complete the process. 

This means the case is still unresolved solely due to XXXX XXXX failure to cooperate with XXXX. 

I am requesting CFPB assistance because XXXX XXXX has refused to fulfill its responsibility as the sender, misrepresented the claim status, and denied my refund for an undelivered product that I paid for in good faith.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
THD/CBNA Account Number : XXXX XXXX XXXX XXXX XXXX  NEW WAVE CARD/WEBBANK/ Account Number : XXXX XXXX XXXX XXXX XXXX THD/CBNA Account Number : XXXX XXXX XXXX XXXX XXXX THD/CBNA Account Number : XXXX XXXX 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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with non-monetary relief