vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
On the morning of XXXX XXXX someone hacked my phone gaining access to cards that I had stored in XXXX XXXX as well as my bank saved to XXXX. Within minutes XXXX charges were placed to XXXX XXXX XXXX. Two were placed on XXXX XXXX in the amounts of {$1000.00} and {$500.00} while XXXX charges were placed on my Apple Card for {$1000.00} and {$1000.00} all to SQ BAM BAM. Fortunately, XXXX XXXX has a far better algorithm to catch fraudulent activity than the Goldman Sachs Apple Card. XXXX XXXX marked each as fraudulent and did not process the transactions. Unfortunately, Goldman Sachs appears to be far less experienced at catching fraudulent activity and they processed both transactions although they were disputed hours after as well as multiple times in the days and weeks following. Goldman Sach continues to refuse to acknowledge that these were fraudulent charges even though I never transacted with a company named XXXX XXXX They continue to say that I am liable for the {$2000.00} in fraudulent charges since they took place somehow thru my Apple Pay on my phone. No one can explain how nor can anyone determine what goods or services XXXX XXXX provides in the XXXX, where I have never been. I have been on countless calls with Goldman Sachs and they refuse to say why I am liable for these charges beyond reading from a canned script saying they have ruled against me. 

I have tried to look the vendor up as it appears that the transactions were listed in the XXXX which is odd itself being that the XXXX has never been visited. I can not find a phone number or contact that is valid for a company called XXXX XXXX in the XXXX. This has been rather frustrating as obviously I would not transact with a vendor over a couple minutes with {$3500.00} in four transactions across two credit cards. 

I appreciate your help in the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-27 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the past-due reporting on my student loan account and to document multiple instances of misinformation provided by your representatives. 

On XX/XX/year>, I spoke with a representative who informed me that my forbearance had been backdated to XX/XX/year> and that, as a result, all late payment marks would be removed from my credit report. On XX/XX/year>, I spoke with another representative who confirmed that my past-due balance had been cleared and that the forbearance was indeed backdated. 

Despite these assurances, my account continues to be reported as past due. This inaccurate reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). Both conversations were conducted on recorded company lines, and I request that these recordings be reviewed to confirm the statements made by your representatives.

This is not the first time I have experienced misleading or deceptive practices from your companys representatives. Additionally, I have previously been threatened by one of your employees in an apparent attempt to deter me from filing a complaint, which is unacceptable.

If these issues are not resolved immediately including removal of all incorrect late payment marks and correction of my account status to reflect the approved forbearance I will be forced to pursue all available remedies, including legal action.

I expect a written confirmation within 15 business days that the necessary corrections have been made and that my account is accurately reflected with all credit bureaus. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I made a payment on XX/XX/XXXX with a credit card. It would be past due after the XXXX. I have an email showing I paid it before the XXXX  days. However, ally XXXX  financing decided to not count the payment until after the XXXX  days. I disputed it after my score tanked. They sent a letter saying I was now current and no XXXX  days past due. It only changed on XXXX. XXXX  and all the credit bureaus remained negative. Then a week later, experien dropped again and I was reported XXXX days past due. I want this solved and put as current on all the credit bureaus and XXXX. We were hoping to buy a house in the next year and ally has ruined that chance for us and as a result of this, our emergency credit card has been reduced by a couple XXXX dollars. This company is a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Supporting Evidence Submission CFPB Complaint XXXX XXXXXXXX I am submitting new documentary evidence of XXXX XXXX  and XXXX violations under the Fair Credit Reporting Act ( FCRA ) and related state laws. 

The attached Final Legal Demand & Fraud Notice details an unlawful reinsertion of a previously deleted tradeline by XXXX between XX/XX/XXXX 
XXXX XXXX XXXX correctly deleted the account after verification failure, proving the reinsertion was isolated and willful. 
XXXX XXXX also produced a backdated Notice of Sale letter, claiming Certified Mail delivery that never occurred prior to repossession this appears to constitute documentary fraud. 

I request that CFPB include this evidence in the active investigation and require permanent deletion of the XXXX XXXX tradeline from XXXX XXXX well as a formal audit of XXXXXXXX XXXX furnishing procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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 did not open or authorize these accounts and suspect fraudulent behavior. I request their immediate deletion from my report and a proper investigation. Enclosed is evidence.

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 2025-10-27 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: GA

Complaint narrative:
Dear Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Dear Consumer Credit Finance, I am writing to formally dispute the inaccurate reporting of my Wells Fargo credit card account, which has been marked as charged-off and closed due to a dismissed bankruptcy. This accounts have never been late with perfect payment history. In addition my accounts have been marked closed even though justification was submitted to Well Fargo. I have no Bankruptcy in place ; however, Well Fargo is keeping the status in place forcefully. This is discrimination! 


Accounts : XXXX XXXX As per the Fair Credit Reporting Act ( FCRA ), I request immediate correction of this erroneous information.

The charge-off status attributed to my account is incorrect, as my bankruptcy was dismissed and should not affect my credit reporting in this manner. It is my understanding that under 15 U.S.C. 1681i of the FCRA, I have the right to dispute any information that I believe is inaccurate or incomplete.

I am demanding the following actions be taken : 1. Immediate Investigation : Verify the current status of my account with Wells Fargo and ensure that it reflects accurately in your records.

2. Correction of Reporting : Update my credit report to reflect the true status of the account as it pertains to the bankruptcys dismissal. The charge-off reporting should be removed to present an accurate representation of my credit history.

3. Written Confirmation : Provide me with written confirmation of the results of your investigation and any corrections made in response to this dispute. I trust that you will handle this matter swiftly and accurately, in compliance with federal law.

Please address this issue within the 30 days as mandated by the FCRA. I expect to hear from you with confirmation of the changes made, or a statement explaining why the information will remain unchanged.

Thank you for your immediate attention to this serious matter.

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 2025-10-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX, I made a payment for {$190.00}. I received email correspondence indicating that the payment was processing and I also received email correspondence indicating the payment had been processed. I was left under the impression that the payment was made. I received an email XX/XX/XXXX indicating that there was a balance for {$190.00}. I called synchrony bank and I was told the payment have been rejected for insufficient funds and was advised to contact my bank. I was told that with synchrony bank processing is 24 to 48 hours after speaking with my banking institution I was advised that they did not attempt to take the funds until XX/XX/XXXX and then again on XX/XX/XXXX that is beyond the 24 to 48 hour turnaround time and the funds were not there at the time resulting in a return. this has been an ongoing issue with synchrony bank. I had my credit card closed immediately after the card had been opened and the reason for the closure stated that I was less likely to make payments when Ive had the same issue with this bank before all along, the issue is not me not making my payments, but the issue is the payments are being processed and then later rejected and Im not being made aware of this, leaving me to believe that my payments have been made causing my account to go into default status, which ultimately affects my credit I feel that my credit card with XXXX, which is through synchrony Bank was closed in error based upon misinformation.

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 2025-10-27 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:
Having always paid on time, I believe this late entry is a mistake and should be promptly removed. Kindly amend my credit records.

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 2025-10-27 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentialicy under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following tems of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to beleve that the information is inaccurate.

Delete the accounts belovr. 
Inquiry - XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX EXPERIAN Inquiry - XX/XX/year> XXXX XXXX  EXPERIAN Inquiry - XX/XX/year> XXXX XXXX  EXPERIAN Inquiry - XX/XX/year> XXXX XXXX  EXPERIAN Inquiry - XX/XX/year>XXXX XXXX XXXX XXXXXXXX TRANSUNION

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: KS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My XXXX XXXX XXXX XXXX  is receiving prescreened offers from BofA. This should not be possible or legal since BofA should not access to my baby 's credit report. See attched picture for the mailer that the bank sent to my minor.

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 2025-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentialicy under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following tems of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to beleve that the information is inaccurate.

Delete the accounts belovr. 
Inquiry - XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX EXPERIAN Inquiry - XX/XX/year> XXXX XXXX  EXPERIAN Inquiry - XX/XX/year> XXXX XXXX  EXPERIAN Inquiry - XX/XX/year> XXXX XXXX  EXPERIAN Inquiry - XX/XX/year>XXXX XXXX XXXX XXXXXXXX TRANSUNION

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Urgent Request for Reinvestigation and Method of Verification File No. XXXX / XXXX XXXX ( {$660.00} ) To Whom It May Concern, I am writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records and have reliably requested that they be completely reviewed. Regardless of my efforts, I have not received any meaningful resolution or corrective development. 
These misguided records are genuinely harming my credit file and hindering my ability to maintain a normal life. The negative results of these inaccuracies have caused significant challenges, and I am left with no choice but to request your immediate assistance in re-evaluating this matter. 
I respectfully demand that you conduct a careful and thorough reinvestigation into the validity of the XXXX XXXX ( {$660.00} ) account listed under File No. XXXX. It is essential that the necessary steps be taken to restore and amend my credit report immediately.

Pursuant to FCRA 611 ( a ) ( 7 ), I am requesting a complete method of verification, including : The name, address, and telephone number of the furnisher that verified this account.

The exact method by which this information was verified.

Copies of any original signed contracts or documentation used to confirm this debt.

If the credit bureau or the furnisher can not provide such evidence, I request that this account be immediately deleted from my credit report in accordance with FCRA 602 ( A ) and FCRA 607 ( b ), which require the maintenance of maximum possible accuracy in consumer reporting.

Your prompt attention to this matter will be greatly appreciated. I expect written confirmation within the legally mandated 2 days under FCRA. Thank you for your understanding and swift cooperation in restoring the integrity of my credit file. 



Sincerely, XXXX XXXX ( Your Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( Last 4 of SSN : XXXX ) XX/XX/year> 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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
The account is paid off and closed updated 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 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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