vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am submitting this complaint against Goldman Sachs Bank USA, issuer of the Apple Card, for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. relating to the reporting of the following account : Creditor : Apple Card / Goldman Sachs Bank USA Account Number ( partial ) : ( REDACTED ) Reported Balance : {$870.00} Credit Limit : {$750.00} Status : Account charged off ; {$870.00} past due Date Opened : XX/XX/XXXX Status Updated : XX/XX/XXXX Violations of the FCRA 1. Reporting Inaccurate Information 1681s-2 ( a ) ( 1 ) ( A ) Goldman Sachs has reported that I owe {$870.00} and that the account is charged off. However, the account reflects a balance in excess of the reported credit limit ( {$870.00} reported balance vs. {$750.00} credit limit ). This is a clear reporting inconsistency that renders the tradeline inaccurate, misleading, and in violation of the FCRA requirement that furnishers report information with maximum possible accuracy.

2. Failure to Properly Investigate Disputed Information 1681s-2 ( b ) I have previously disputed the accuracy of this account with the credit reporting agencies. Goldman Sachs, as the furnisher, had a duty to conduct a reasonable investigation and either verify or correct the record. Instead, the creditor allowed the account to remain with misleading and internally inconsistent information, constituting a failure to comply with the FCRA.

3. Failure to Mark Account as Disputed 1681s-2 ( a ) ( 3 ) When a consumer disputes an account, the furnisher is required to flag the account as disputed in subsequent reporting. Goldman Sachs failed to do so, thereby misrepresenting the status of the account and harming my credit standing.

4. Unfair and Misleading Collection Practices The reporting of a balance that exceeds the credit limit is not only inaccurate but creates the false impression of extreme credit mismanagement. This overstatement unfairly amplifies the derogatory impact of the tradeline, contrary to both the FCRA and the Consumer Financial Protection Acts prohibition on unfair or deceptive practices.

5. Potential Reinsertion Without Certification ( 1681i ( a ) ( 5 ) ) If the furnisher continues to re-report unverifiable or inconsistent information after dispute, it must provide proper certification. I have not been provided such certification.

Harm to the Consumer As a result of these violations, I have suffered severe harm, including but not limited to : Damage to creditworthiness and credit score Denial of access to affordable credit and housing opportunities Emotional and reputational harm caused by inaccurate reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Someone used my personal information to open these account. I recently tried to apply for credit and was denied so that prompted me to check my credit report this month. I discovered all these accounts and was in shock. I didn't open any of these account. I am reporting this to take the necessary steps to protect myself and to request the removal of all fraudulent accounts related to this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed '.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed '.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a complaint with the Bureaus a month ago, but the wrong info on my report is still there. I haven't heard back from them, aside from your message saying the company replied to my complaint. How can I trust that they've really looked into the inaccuracies? What steps did they take to verify the accounts? This whole thing is so frustrating! It's been over 30 days since I reached out, and the disputed accounts are still unchanged. If this keeps up, I might have to consider legal action because of the stress it's causing me. Plus, I'm worried about my personal data security after the XXXX, Experian, and Transunion breach.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX * * Re : Request for Debt Validation / Account Verification * * To Whom It May Concern, I am formally disputing the account you have furnished to the credit reporting agencies in my name. The information you are reporting is inaccurate and requires immediate validation. 
* * * Account Number- XXXX Pursuant to the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681s-2 * *, as well as my rights under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g * *, I request that you provide proper validation of this alleged debt. Specifically, I demand the following : * XXXX XXXX XXXX * Account Number- XXXX Pursuant to the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681i * *, I am requesting that Trasuion conduct a reasonable reinvestigation of this account. I have reason to believe that the information reported may be inaccurate, incomplete, or unverifiable. 
Specifically, I request that XXXX  obtain from XXXX XXXX XXXX the following documentation to validate this account : 1. A complete copy of the original contract or agreement bearing my signature.

2. A full account-level history including all charges, payments, interest, and fees. 
XXXX. Documentation establishing XXXX XXXX XXXX ownership or legal right to collect on this account. 
XXXX. Any records demonstrating that the account is being reported accurately, in compliance with the FCRA. 
If Transunion is unable to obtain proper validation from XXXX XXXX XXXX, you are required under * * 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) * * to delete this account from my credit file and provide me with written confirmation of the results of your reinvestigation. 
Please also provide me with the name, address, and telephone number of each furnisher of information that you contacted regarding this dispute, as required by * * 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) * *.

I request that you complete this reinvestigation within the 30-day period allowed by law and provide me with written notice of your findings. 
Thank you for your prompt attention to this matter. 
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 non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Dispute of Unauthorized Data Access and Credit Score Impact To Whom It May Concern, I am contacting you to dispute the unauthorized access and use of my bank account data through the Experian Boost program. I enrolled in Boost solely to add verified utility and phone bill payments to my credit file. I did not authorize Experian to monitor my spending, track who I pay, or use this data to promote credit products or memberships.

This account is a secondary account used for specific bill payments. It is not my primary account, and its full transaction history is irrelevant to Experians stated purpose. I did not consent to credit management services or any form of financial profiling.

Additionally, Ive noticed a drop in my credit score with no valid explanation. The only authorized inquiry should be from XXXX. Any additional inquiries are unauthorized and must be removed. I am requesting a full explanation of : - What data was accessed from my account- Why my credit score decreased - What steps will be taken to correct this and prevent further misuse I expect a prompt and thorough response. 

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 2025-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint regarding the repossession and subsequent reporting of my auto loan account with Wells Fargo. After reviewing my records, I have identified multiple violations in Wells Fargos handling of the repossession, post-sale process, and reporting obligations.

1. Failure to Provide Required Notice of Sale Under Arti
cle 9 of the Uniform Commercial Code ( UCC ) and applicable state law, Wells Fargo was required to send me advance written notice of the time and place of the vehicles sale. I never received any such notice. This omission denied me the opportunity to attend, redeem, or arrange alternative repayment.

2. Failure to Provide Deficiency Balance Notice After the sale, Wells Fargo was required to provide an accounting showing the sale price, the fees assessed, and the calculation of any deficiency balance. No such notice was ever received. Without this, I can not verify the accuracy of the amount Wells Fargo claims I owe.

3. Failure to Provide IRS Form 1099-C If Wells Fargo charged off or otherwise canceled the alleged deficiency balance, the IRS requires that a 1099-C be issued to the consumer. I have not received this form, which raises concerns about whether Wells Fargo is properly reporting canceled debt to both myself and the IRS.

4. Inaccurate & Unverifiable Credit Reporting Despite these procedural failures, Wells Fargo continues to report the repossession to the credit bureaus as accurate. Reporting a repossession without fulfilling the legally required notices results in incomplete and misleading reporting, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

I do not give permission for you to report this debt since you have failed the critical steps above. Im sure you claim you did so send proof because I never received anything from you. Also stop trying to call me on the phone please. Written communication thru email and other platforms is ok. But stop Calling me please.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, ON XX/XX/year> I SENT A NOTARIZED IDENTITY THEFT POLICE REPORT TO XXXX XXXX, EXPERIAN, AND TRANSUNION. I HAVE SENT FTC REPORTS THAT INCLUDED THE IDENTITY THEFT THAT HAPPENED TO ME WITH FULL DETAILS. I HAVE SENT A NOTARIZED CALIFORNIA DRIVER 'S LICENSE AND SOCIAL SECURITY CARD TO VERIFY MY IDENTITY. THEY ALSO HAVE NEVER UPDATED MY PERSONAL CURRENT INFORMATION LIKE I HAVE REQUESTED. IM ATTACHING A CURRENT NOTARIZED POLICE REPORT TO HAVE THE FOLLOWING ACCOUNTS BLOCKED AND DELETED FROM MY CREDIT REPORT ... AS THEY DO NOT PERTAIN TO 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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, ON XX/XX/year> I SENT A NOTARIZED IDENTITY THEFT POLICE REPORT TO AMERICAN EXPRESS, XXXX, AND XXXX. I HAVE SENT FTC REPORTS THAT INCLUDED THE IDENTITY THEFT THAT HAPPENED TO ME WITH FULL DETAILS. I HAVE SENT A NOTARIZED CALIFORNIA DRIVER 'S LICENSE AND SOCIAL SECURITY CARD TO VERIFY MY IDENTITY. THEY ALSO HAVE NEVER UPDATED MY PERSONAL CURRENT INFORMATION LIKE I HAVE REQUESTED. IM ATTACHING A CURRENT NOTARIZED POLICE REPORT TO HAVE THE FOLLOWING ACCOUNTS BLOCKED AND DELETED FROM MY CREDIT REPORT ... AS THEY DO NOT PERTAIN TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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 explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau CFPB, the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under the XXXX according to XXXXdebt Final RULE 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted. please delete the following account, 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 2025-08-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Heres a polished draft letter you can send to Bank of America. You can adjust details ( like your name, address, and account info ) before mailing it by certified mail, return receipt requested : [ Your Name ] XXXX XXXX [ Your Address ] XXXX XXXX XXXX XXXX [ City, State, ZIP Code ] XXXX, Florida XXXX XXXX Phone Number ] XXXX [ Email Address ] XXXX Date : [ Insert Date ] XXXX XXXX Bank of America Fraud Department [ Bank of America Address use the fraud dispute address listed on your statement or on their website ] Subject : Fraudulent {$60000.00} Home Equity Line of Credit Dear Sir or Madam, I am writing to formally dispute a fraudulent home equity line of credit in the amount of {$60000.00} that was taken out against my property without my knowledge, consent, or authorization.

At the time this account was opened, I was medically disabled and unable to apply for, authorize, or benefit from such a transaction. I have never signed any documents, received any funds, or participated in this loan in any way. This account was opened fraudulently and I am a victim of identity theft.

I respectfully request that Bank of America : 1. Provide copies of all application documents, signatures, and approval records connected with this account.

2. Remove my liability for this fraudulent line of credit.

3. Correct any negative credit reporting associated with this matter.

4. Confirm in writing that an investigation has been opened and provide instructions for next steps.

Enclosed are copies of my supporting documents, including proof of my disability status, a police report/identity theft report ( if available ), and identification. Please consider this my formal dispute and request for investigation under the Fair Credit Reporting Act and all applicable consumer protection laws.

This situation has caused me significant distress, and I am urgently requesting your cooperation in resolving this matter and protecting my property.

Thank you for your prompt attention. I look forward to your written response within the timeframe required by law.

Sincerely, [ Your Signature ] [ Your Printed Name ] Enclosures : Copies of ID, disability proof, police/FTC report , other supporting documents

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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