vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: CO

Complaint narrative:
Hello, I have been disputing 2 charges with Apple Card, on non authorized charges. This has been on going for over two years, they say they will review, and review over and over again. I have provided proof but yet they have been charging me and refuse to make things right. I lost track as to how many specialist I've talked to but its gotten to this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NJ

Complaint narrative:
Cash app owes me {$100.00} and they want to issue me a check however I dont have the standard government identification card. My card is a municipal ID card, but it has the government seal on it. I was able to open up a bank account, get a job, and lease an apartment with this ID. I dont understand why they wont allow me to use this so I can receive my money. They wont let me create a new account to receive my money or they wont transfer the money to my bank account that was connected to my old account that the money is on so now I have to get a check but theyre not allowing me to use the identification that I have and it is legitimate identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute the accuracy, completeness, and verifiability of the above-referenced XXXX Bank account currently reporting with a balance of {$1400.00} on my credit report. 

This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically 609 and 611, which require that all information furnished to consumer reporting agencies be accurate, complete, and verifiable.

Under FCRA 609 ( 15 U.S.C. 1681g ), I am requesting full disclosure and documentation used to verify this account. Under FCRA 611 ( 15 U.S.C. 1681i ), I dispute the reporting of this account due to the following issues, which may include but are not limited to : The accuracy of the reported balance of {$1400.00} The payment history and/or delinquency status The dates being reported, including date of first delinquency The account status ( open/closed/charged off, if applicable ) Please provide the following documentation to substantiate your reporting : 1. Complete account history, including all statements showing how the current balance of {$1400.00} was calculated.

2. A copy of the original signed credit agreement or application, bearing my signature.

3. Verification of the dates reported, including the date the account became delinquent, if applicable.

4. Confirmation that XXXX Bank is reporting this account in compliance with FCRA 623 ( a ) ( 1 ), which prohibits furnishing inaccurate information.

If you are unable to fully verify the accuracy and completeness of this account, you are required under FCRA 611 ( a ) ( 5 ) to delete or correct the information being reported. 

Please complete your investigation and provide written results within the 30-day timeframe mandated by law. Until verification is completed, this account must be marked as in dispute. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
A single account is being mixed into my credit file that does not belong to me and is clearly associated with another individual. I have never opened, authorized, or managed this account, nor have I had any involvement with it. Its inclusion under my name is completely unacceptable and results in inaccurate and misleading information being reported on my credit history. I take my credit profile seriously, and this misattributed account raises serious concerns about the accuracy of 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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a consumer who is attempting to correct and repair my credit. I am filing this complaint regarding inaccurate, incomplete, and/or unverified information Equifax is reporting on my credit file. 

Charged-Off Accounts Equifax is reporting the following charged-off accounts, which I dispute : XXXX XXXXXXXX XXXX Acct XXXX XXXX XXXX opened XX/XX/XXXX, balance {$36000.00} XXXX & XXXX Acct XXXX XXXX XXXX opened XX/XX/XXXX, balance {$600.00} XXXX XXXX XXXX Acct XXXX XXXX XXXX opened XX/XX/XXXX, balance {$96.00} XXXX Acct # XXXX XXXX opened XX/XX/XXXX, balance {$270.00} I dispute the accuracy of the balances, dates, ownership, and charge-off status of these accounts. Equifax has not provided sufficient documentation demonstrating that these accounts were properly investigated and verified. 

Hard Inquiry Equifax is reporting the following inquiry that I do not recognize or recall authorizing : XXXX XXXX XX/XX/XXXX I dispute this inquiry and request Equifax provide proof of permissible purpose. If proof can not be produced, the inquiry must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: FC HoldCo LLC
State: FL

Complaint narrative:
This account mentioned above from XXXX XXXX XXXX acct # XXXX does not belong to me. Not the inquiries above mentioned. I need them to be removed. I know my rights under the FCRA act and the XXXX XXXX of unlawful reporting. I have gathered information for litigation towards these companies that are selling my information and making money and keeping my credit in the ruin. I have submitted all necessary proof multiple times to show I am not responsible for this account

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank
State: MI

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

My credit report shows the same debt being reported by two separate companies, which is inaccurate and misleading. A single debt can not be legally reported as multiple outstanding obligations unless there is proper documentation showing a lawful transfer and XXXX balance on the original account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) 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 believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and ownership of the following collection account appearing on my credit report : Creditor/Collection Agency : Fair Collections & Outsourcing [ Ammount : Balance : {$8200.00} Date Opened : XX/XX/year> This account is being reported inaccurately. I was not the sole responsible party for this debt, and the information being reported is incomplete and misleading. Additionally, due to the age of the account, I am requesting full verification as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). & this happened 4 years ago I think its been on my account for too long Please provide : Proof of my individual responsibility for the full balance A signed contract or agreement bearing my signature A complete payment history Proof that this debt was legally assigned to Fair Collections If you can not fully verify this account, it must be removed from my credit report immediately.

Please investigate this matter and provide written confirmation of the results. 

Sincerely, [ 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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have identified accounts on my credit report that I never opened or authorized. Please conduct a full investigation and remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverified information TransUnion is reporting on my credit report. I am exercising my rights under the Fair Credit Reporting Act to dispute the following items. 

Charged-Off Accounts TransUnion is reporting the following charged-off accounts, which I dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX dispute the accuracy, balances, ownership, and reporting of these accounts. TransUnion has not provided documentation demonstrating that these accounts were properly investigated and verified. 

I am requesting TransUnion conduct a proper reinvestigation and remove any information that can not be fully verified.

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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, an unauthorized electronic funds transfer in the amount of {$2200.00} was made on my Bank of America debit card through XXXX XXXX. I did not authorize, initiate, or approve this transaction. 

I promptly reported the unauthorized transaction to XXXX XXXX and Bank of America as soon as it was discovered. XXXX XXXX initially confirmed the transaction was fraudulent and advised that the funds would be refunded within XXXX business days. After follow-up, XXXX XXXX reversed its position and claimed the transaction was authorized based solely on an IP address, despite my continued denial of authorization and lack of any verification or approval by me. 

I then filed a formal fraud claim with Bank of America. Bank of America failed to provide provisional credit during its investigation and advised that the refund responsibility rested with XXXX XXXX. This left me without access to my funds while the institutions disputed responsibility. 

Despite timely notice and a clear denial of authorization, neither institution has resolved the dispute or returned my funds. I believe this handling is inconsistent with Regulation E ( Electronic Fund Transfer Act ) requirements regarding unauthorized transactions, investigation standards, and provisional credit.

I am requesting CFPB assistance to ensure compliance with applicable consumer protection laws and to obtain the return of my {$2200.00}.

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 2025-12-15 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:
My account with EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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. EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Update the late payments from my consumer reports

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 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I am filing this complaint regarding unauthorized transactions and identity theft on my Affirm account. 

I did not authorize multiple transactions processed through Affirm. These charges are the result of identity theft and account takeover and were funded through my Affirm account and linked payment methods, including my XXXX XXXX XXXX  account. 

The unauthorized transactions involve the following merchants : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX ( XXXX ) Upon discovering the activity, I immediately reported the transactions to Affirm, disputed all related charges with XXXX Bank, and filed an FTC Identity Theft Report. I also filed complaints with the New York State Attorney General and the Consumer Financial Protection Bureau ( CFPB ).

Despite providing documentation supporting identity theftincluding transaction records, FTC report confirmation, and bank fraud claim confirmationsAffirm has failed to fully reverse the unauthorized charges or conduct an adequate investigation.

These transactions were not authorized by me. I have no relationship with the listed merchants and did not receive or use any goods or services. The pattern of activity across multiple unrelated gaming and cash-based merchants clearly indicates fraudulent activity, not authorized consumer behavior.

Harm Experienced Financial loss from unauthorized Affirm charges Significant time and effort spent disputing identity theft Emotional distress and ongoing concern regarding account security Risk of negative account status, collections activity, or credit reporting

Company response to consumer: Closed with explanation