vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I have desputed the accounts on my credit numerous of times I have sent all the documents that was asked and needed for my dispute. I have sent them a police report by certified mail numerous times under Virginia code title 18.2186.3. Im invoking my defense under Virginia code section 18.2186.3 which covers criminal identity theft I submitted a police report and have evidence showing this account was used fraudulently I requested it be immediately removed from my credit profile. Ive also repeatedly requested them to validate the debt and a copy of the fraud investigation outcome, which they must conduct an internal review on the federal guidelines. Once you report identity theft Ive been disputing this on my profile for four years, capital on tap credit card has sold my debt to XXXX XXXX, which Ive disputed numerous of times and this debt has been sold twice. New wave card XXXX XXXX  is the name they are going by now also Goldman Sachs Apple credit card I have disputed multiple times and the sent them all documentations and they refuse to remove it and continuously to validate the debt radius. XXXX XXXX also refuse to validate the debt also refuse to remove this from my credit report even after filling out a fraud package I request this be removed from my credit report immediately under title 18.2186.3 and if not remove immediately, I will seek further actions by suing every day. This is reported on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: Radius Global Solutions LLC
State: VA

Complaint narrative:
I have desputed the accounts on my credit numerous of times I have sent all the documents that was asked and needed for my dispute. I have sent them a police report by certified mail numerous times under Virginia code title 18.2186.3. Im invoking my defense under Virginia code section 18.2186.3 which covers criminal identity theft I submitted a police report and have evidence showing this account was used fraudulently I requested it be immediately removed from my credit profile. Ive also repeatedly requested them to validate the debt and a copy of the fraud investigation outcome, which they must conduct an internal review on the federal guidelines. Once you report identity theft Ive been disputing this on my profile for four years, XXXX XXXX XXXX XXXX XXXX  has sold my debt to XXXX XXXX, which Ive disputed numerous of times and this debt has been sold twice. New wave card XXXX XXXX is the name they are going by now also XXXX XXXX XXXX credit card I have disputed multiple times and the sent them all documentations and they refuse to remove it and continuously to validate the debt radius. XXXX XXXX also refuse to validate the debt also refuse to remove this from my credit report even after filling out a fraud package I request this be removed from my credit report immediately under title 18.2186.3 and if not remove immediately, I will seek further actions by suing every day. This is reported on my credit 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 2025-06-18 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: CA

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, AR XXXX XXXX XXXX XX/XX/XXXX TransUnion : P.O. XXXX XXXX, XXXX, PA XXXX Subject : Unauthorized Hard Inquiry Removal Request To Whom It May Concern, I am writing to formally dispute a hard inquiry that appears on my credit report, which I did not authorize. According to the Fair Credit Reporting Act ( FCRA ), hard inquiries XXXX not be listed on a consumers credit report unless they were explicitly authorized. 

Upon reviewing my credit report, I noticed a hard inquiry from the following company : Company Name : 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 I do not recall authorizing this inquiry, and I request that it be removed from my credit report immediately. If you have documentation proving that I gave written authorization for this inquiry, please provide it to me for my records. If no such proof exists, I respectfully ask that the inquiry be deleted in accordance with the FCRA. 

Please conduct an investigation into this matter and provide me with written results of your findings. I expect this dispute to be resolved within the XXXX period allowed by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX ( Last XXXX digits ) : XXXX Date of Birth : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: MD

Complaint narrative:
I am submitting a second complaint regarding a mishandled dispute on my Apple Card account, issued by Goldman Sachs. Since XX/XX/XXXX, I have been trying to resolve a fraudulent {$3000.00} charge that was ultimately ruled in my favor, but not before the companys repeated mismanagement caused me to incur significant interest charges and credit impact. 

I disputed the charge multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), and each time I submitted supporting documentation via email, mail, and the Apple Card in-app chat - including photos, videos, screenshots, and a PDF compiling all materials. Despite this, I was repeatedly told that the documents were not received or were too large to open. At no point was I advised of any file size restrictions or alternative ways to ensure successful delivery. My evidence was ignored, and the temporary credits applied to my account were reversed multiple times as a result. 

In response to my CFPB complaint made on XX/XX/XXXXXXXX  ( Complaint XXXX ), Goldman Sachs acknowledged the following : Due to a processing error, the initial dispute was resolved incorrectly in the merchants favor. 

They stated that the dispute was finally resolved in my favor on XX/XX/XXXXXXXX  - more than two years after the original charge. However, the company has not addressed the more serious issue : that I have been paying interest on this erroneous charge the entire time, which they caused due to their own acknowledged error. 

Using a 26.24 % APR over a XXXX period, I estimate I have paid over {$1000.00} in interest on a charge that should have never remained on my account. Goldman Sachs has not credited me for that interest, nor have they addressed any resulting impact on my credit. 

This mishandling mirrors the same violations cited in the recent CFPB enforcement action against Apple and Goldman Sachs for their failure to properly handle Apple Card disputes. I strongly believe my case is a direct example of the systemic issues outlined in that settlement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this formal complaint to dispute inaccurate personal information being reported on my Equifax credit file. Specifically, Equifax is incorrectly listing my name as XXXX XXXX, which is not and has never been my legal name. My only legal and correct name is XXXX XXXX. Additionally, Equifax is reporting that I am or was employed by XXXX XXXX XXXX, an employer I have never worked for, applied to, or had any professional relationship with at any point in time. 

The presence of these inaccurate entries is both misleading and harmful. First, the misspelled version of my nameXXXX XXXXposes a risk of file misassociation or mixed credit file errors, which may cause accounts, public records, or inquiries not belonging to me to be wrongfully included in my credit profile. Errors in a persons legal name are among the most serious mistakes a credit bureau can make because they undermine the integrity of the entire credit file. 

Second, the false employment listing of XXXX XXXX XXXX suggests either a failure by Equifax to properly vet and validate data before publishing it or the result of a data contamination issue. I have never provided this employment information, and there is no legitimate basis under the Fair Credit Reporting Act ( FCRA ) for it to appear on my credit report. 

Under 15 U.S.C. 1681e ( b ) of the FCRA, Equifax is legally obligated to follow reasonable procedures to ensure the maximum possible accuracy of the information it reports. In this case, that standard has not been met. These types of inaccuracies not only violate my rights under federal law, but they also pose reputational risks and interfere with my ability to obtain credit, employment, or housing, as automated systems and lenders often rely on these fields for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, I applied for an XXXX personal loan through XXXX and received an offer from XXXX XXXX for up to {$10000.00}. After verifying my email, the loan amount was reduced to up to XXXX. After selecting the XXXX option and confirming monthly payment terms, I received an email from XXXX XXXX on the same day with the subject line : Congratulations, you are approved! This message did not state that the approval was conditional or pre-qualified it strongly implied a final decision had been made and funds were ready to be disbursed. 

Relying on this representation, I completed all required steps, including : Verifying my identity ( selfie + government-issued ID ) Uploading XXXX  months of bank statements Submitting XXXX and XXXX tax returns, and my XXXX tax extension Confirming my checking account for direct deposit After completing these steps, I contacted XXXX XXXX  to inquire why the offer had been suddenly reduced from {$10000.00} to {$6000.00}. I was told the change was due to a systematic adjustment. This indicates that enough information had already been evaluated to lower the loan amount yet I was still asked to authorize a hard credit inquiry, which dropped my XXXX score from XXXX to XXXX. 

On XX/XX/XXXX, I received a formal denial letter stating that I was not approved. The denial did not include a specific underwriting reason for rejection. Instead, the notice listed credit scorerelated factors such as : Serious delinquency Length of time accounts have been established High credit utilization Too many accounts with balances Multiple recent inquiries These are generalized credit scoring factors, not specific reasons for denying my completed application. Additionally, the score cited a XXXX Equifax XXXX score that was only generated after XXXXXXXX XXXX hard pull a pull I would not have authorized if I had not received a misleading approval notice. 

Furthermore, the denial letter says I may request the specific underwriting reasons in writing under the Equal Credit Opportunity Act ( ECOA ) which I have done by submitting a dispute letter to XXXX XXXX and XXXX ( the official lender identified in the disclosure ). I Attached : The approval email stating Congratulations, you are approved! ( XX/XX/XXXX ) The credit denial notice ( XX/XX/XXXX ) My dispute letter sent to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
Synchrony bank claims i owe {$4000.00} for XXXXXXXX XXXX XXXX XXXX when i dont told them i never opened it nor authorized purchases for that card and they refuse to accept my claim cause i made payments so my credit report wouldn't be hurt

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 2025-06-18 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
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 2025-06-19 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, XX/XX/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 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, XXXXXXXX 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 XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2025-06-18 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: PA

Complaint narrative:
This morning, I discovered some incorrect accounts listed on my credit report, and I have no clue how they got there. I review my credit report regularly, but this time I noticed unexpected discrepancies. I even tried refreshing the page in case it was just a technical error, but that didnt helpthe inaccurate information remained. I'm requesting a careful review of the documents I've submitted so I can finally put this concern behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-19 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: HI

Complaint narrative:
This is a legitimate and urgent complaint. My credit report contains inaccurate information that fails to meet the legal standard of maximum possible accuracy and is causing serious, ongoing harm. These errors must be thoroughly investigated and either corrected or permanently removed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, your 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. 
These fraudulent, inaccurate, and false information consists of a personal credit card accounts and other fraudulent collection accounts since XX/XX/XXXX. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the identity theft report filed that details the fraudulent accounts on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 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 non-monetary relief
Consumer complaint received 2025-06-18 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 explanation