vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
I previously submitted a dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding several inaccurate, incomplete, or unverifiable items that continue to appear on my credit report. Under the FCRA, I have the right to dispute any information that I believe to be inaccurate, and the credit reporting agency is required to conduct a reasonable reinvestigation to verify the accuracy and completeness of the disputed information. Despite my prior dispute, the following accounts and inquiries remain on my report without verified documentation or confirmation that they are accurate or reported for a permissible purpose. The items I am disputing include the following 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 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 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 Balance : {$1000.00} ). Additionally, I am disputing several inquiries that appear to have been made without my authorization or a permissible purpose under FCRA 1681b. These inquiries include : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my submission of disputes and requests for reinvestigation, these accounts and inquiries remain unverified. The continued reporting of inaccurate, incomplete, or unauthorized information violates FCRA 1681i, 1681b, and 607 ( b ).

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 2025-11-10 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: TX

Complaint narrative:
I previously submitted a dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding several inaccurate, incomplete, or unverifiable items that continue to appear on my credit report. Under the FCRA, I have the right to dispute any information that I believe to be inaccurate, and the credit reporting agency is required to conduct a reasonable reinvestigation to verify the accuracy and completeness of the disputed information. Despite my prior dispute, the following accounts and inquiries remain on my report without verified documentation or confirmation that they are accurate or reported for a permissible purpose. The items I am disputing include the following 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 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 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 Balance : {$1000.00} ). Additionally, I am disputing several inquiries that appear to have been made without my authorization or a permissible purpose under FCRA 1681b. These inquiries include : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my submission of disputes and requests for reinvestigation, these accounts and inquiries remain unverified. The continued reporting of inaccurate, incomplete, or unauthorized information violates FCRA 1681i, 1681b, and 607 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NC

Complaint narrative:
I am submitting to formally dispute the accuracy of several late payment entries being reported on my credit file. I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], as the information being furnished regarding my payment history is inaccurate and incomplete. I have always made every effort to manage my accounts responsibly, and I have records and personal documentation that contradict the negative reporting currently damaging my credit profile. 
The accounts in question are as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} late XXXX  days XX/XX/XXXX, late XXXX  days XX/XX/XXXX, late XXXX  days XX/XX/XXXX, late XXXX  days XXXX- XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} late XXXX  days XX/XX/XXXX, XX/XX/XXXX, late XXXX  days XX/XX/XXXX, late XXXX  days XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$9700.00} late XXXX  days XX/XX/XXXX, XX/XX/XXXX, late XXXX days XX/XX/XXXX, late XXXX  days XX/XX/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  Balance Owed : {$0.00} late XXXX  days FCRA 611 ( 15 U.S.C. 1681i ) I am exercising my right to dispute incomplete or inaccurate information. The bureaus are required to reinvestigate and verify the accuracy of these reported delinquencies. If verification can not be provided, these entries must be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting to formally dispute the accuracy of several late payment entries being reported on my credit file. I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], as the information being furnished regarding my payment history is inaccurate and incomplete. I have always made every effort to manage my accounts responsibly, and I have records and personal documentation that contradict the negative reporting currently damaging my credit profile. 
The accounts in question are as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} late XXXX  days XX/XX/XXXX, late XXXX  days XX/XX/XXXX, late XXXX  days XX/XX/XXXX, late XXXX  days XXXX- XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} late XXXX  days XX/XX/XXXX, XX/XX/XXXX, late XXXX  days XX/XX/XXXX, late XXXX  days XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$9700.00} late XXXX  days XX/XX/XXXX, XX/XX/XXXX, late XXXX days XX/XX/XXXX, late XXXX  days XX/XX/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  Balance Owed : {$0.00} late XXXX  days FCRA 611 ( 15 U.S.C. 1681i ) I am exercising my right to dispute incomplete or inaccurate information. The bureaus are required to reinvestigate and verify the accuracy of these reported delinquencies. If verification can not be provided, these entries must be corrected immediately.

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 2025-11-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-10 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: SC

Complaint narrative:
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.

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 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Credit Report Dispute Request for Removal Dear Experian, I am writing to dispute certain items on my Experian credit report. Under the Fair Credit Reporting Act, I have the right to ensure that all information reported about me is accurate and complete. The accounts listed below are being reported incorrectly, and I am requesting their removal from my file. Accounts in Dispute XXXX Acct. No. XXXX XXXX XXXX Acct. No. XXXXXXXX XXXX XXXX XXXX Acct. No. XXXX XXXX XXXX Acct. No. XXXX ( Closed ) XXXX XXXX Acct. No. XXXX ( Closed ) XXXX XXXX XXXX XXXX XXXX Acct. No. XXXX XXXX XXXX Bank Acct. No. XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Auto Loan ) Acct. No. XXXX XXXX XXXX Acct XXXX No. XXXX XXXX XXXX XXXX Acct. No. XXXX XXXX XXXX XXXX Acct. No. XXXX Thank you for your prompt attention to this matter. Sincerely, 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 2025-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint is submitted by XXXX XXXX XXXX, XXXX on behalf of consumer XXXX XXXX XXXX under written authorization dated XX/XX/year>, concerning Transunions continued furnishing and reporting of multiple, conflicting, and duplicative mortgage account entries for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite prior written disputes and formal requests for reinvestigation, Transunion continues to display multiple versions of the same XXXX XXXX XXXX XXXX XXXX XXXX accounts ( XXXX. XXXX and XXXX ) under slightly different identifiers, each containing inconsistent and contradictory remarks such as Dispute Resolved Subscriber Disagrees, Consumer Disputes After Resolution, and Information Disputed by Consumer. Payment percentages and reporting metrics vary from 67 percent to 98 percent even though all versions reflect the same balance and In Good Standing status. This inaccurate, misleading, and duplicative reporting materially distorts the consumers credit profile, misrepresents account performance, and constitutes violations of FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ), which require furnishers and consumer reporting agencies to ensure maximum possible accuracy and to avoid furnishing false or inconsistent data. Transunions failure to properly reinvestigate, reconcile, or remove duplicate listings within 30 days of notice further violates FCRA 611 ( a ) and Regulation V ( 12 C.F.R. 1022.43 ), reflecting systemic negligence and disregard for federal obligations. The consumer, through her authorized representative, requests that the CFPB compel Transunion to conduct a complete reinvestigation, permanently delete all duplicate and inconsistent XXXX XXXX XXXX XXXX XXXX XXXX entries, remove misleading dispute remarks, and issue a corrected credit file reflecting accurate verified information. The CFPB is urged to impose enforcement oversight, sanctions, or corrective action for willful and repeated noncompliance, as this persistent inaccuracy has caused measurable harm to the consumers credit standing, violated her rights under federal law, and undermined the integrity of the credit reporting system.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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 previously submitted a dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding several inaccurate, incomplete, or unverifiable items that continue to appear on my credit report. Under the FCRA, I have the right to dispute any information that I believe to be inaccurate, and the credit reporting agency is required to conduct a reasonable reinvestigation to verify the accuracy and completeness of the disputed information. Despite my prior dispute, the following accounts and inquiries remain on my report without verified documentation or confirmation that they are accurate or reported for a permissible purpose. The items I am disputing include the following 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 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 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 Balance : {$1000.00} ). Additionally, I am disputing several inquiries that appear to have been made without my authorization or a permissible purpose under FCRA 1681b. These inquiries include : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my submission of disputes and requests for reinvestigation, these accounts and inquiries remain unverified. The continued reporting of inaccurate, incomplete, or unauthorized information violates FCRA 1681i, 1681b, and 607 ( b ).

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 2025-11-10 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: DE

Complaint narrative:
Signed up for an App. Cancelled during free trial period. company billed me for a full year. Company does not have customer service available through telephone, chat or email to discuss. Received an email from the company saying they had cancelled membership and issued a refund. Goldman Sachs as administrator of the Apple Card where the charge was placed has harassed ne constantly since May for the cost : {$66.00}. Despite the fact that two Goldman supervisors ( XXXX and XXXX XXXX acknowledged receipt of proof that the company was refunding the charge and that the charge to my ( now cancelled ) credit card would be settled, Goldman has continued to harass me numerous times. I have the email from the company stating that a refund was issued. Goldman needs to go after the company, not me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-10 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation