vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue one before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with GS BANK or any of the affiliates. I have confirmed and advised GS BANK that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how GS BANK approved a credit under my name, without doing any further review and confirmation. Given the fact that GS BANK has the right to investigate and obtain all necessary information prior to approving any credits, GS BANK has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, GS BANK must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the Federal laws that GS BANK must comply with prior to approving any credit card/lines to anyone. Pursuant to GS BANK 's online advertisement, GS BANK encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from GS BANK stating that my information was used or attempted to be used in order to open an account. Thus, GS BANK has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, GS BANK violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's due diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for GS BANK to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
OPENED UNDER false pretense, SOMEONE USED MY SOCIAL security number TO OBTAIN THIS CREDIT CARD WITHOUT MY knowledge BANK OF AMERICA Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$330.00}

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 2025-08-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) : See attachment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: FL

Complaint narrative:
To Whom It May Concern, I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) : See attachment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am a victim of identity theft, someone used my information to get this credit card and now i am stuck with the debt on my credit report please help me remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue one before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with WELLS FARGO or any of the affiliates. I have confirmed and advised WELLS FARGO that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how WELLS FARGO approved a credit under my name, without doing any further review and confirmation. Given the fact that WELLS FARGO has the right to investigate and obtain all necessary information prior to approving any credits, WELLS FARGO has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, WELLS FARGO must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the Federal laws that WELLS FARGO must comply with prior to approving any credit card/lines to anyone. Pursuant to XXXX 's online advertisement, WELLS FARGO encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from WELLS FARGO stating that my information was used or attempted to be used in order to open an account. Thus, WELLS FARGO has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, WELLS FARGO violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's due diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for WELLS FARGO to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: GA

Complaint narrative:
Formal Demand for Immediate Removal of Inaccurate Collections Under FCRA 605B and FDCPA ( 15 U.S.C. 1692 et seq. ) To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of three collection accounts that are being inaccurately reported on my credit file. I do not recognize or authorize these debts. They appear to be the result of fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Formal Demand for Immediate Removal of Inaccurate Collections Under FCRA 605B and FDCPA ( 15 U.S.C. 1692 et seq. ) To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of three collection accounts that are being inaccurately reported on my credit file. I do not recognize or authorize these debts. They appear to be the result of 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 explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
XXXX XXXX XXXX. Sent me loan modification had my bank fill out the paperwork that was requested by her sent info certified she did receive the info along with a voided check to take out auto withdrawal. I had sent payment of {$3100.00}. Then few months later they sent that amount back to me without any explanation.Didnt think anymore about it and I assumed the payments were withdrawn from my account. They refused to do it without my knowledge and next thing I receive in mail year later from an attorney. They put my house in foreclosure and this is negligence on their part. I contacted this attorney which is XXXX XXXX XXXX telling me my house is going into foreclosure. This is unacceptable I did nothing wrong but did what they had asked. They were the negligent ones and Ive been having health issues regarding this. Not sure what can be done but I felt CFPB should be made aware.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Commercial Audit Inc
State: IL

Complaint narrative:
On XX/XX/year>025, Medical commercial XXXX added a derogatory mark on my credit report ( XXXX and XXXX  ) per experian. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Medical commercial XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent multiple dispute letters to company 's XX/XX/year> and XX/XX/year>. I requested Methods of Verification from each for the errors that was causing a negative impact. I was sent no information and the accounts were verified although my name is spelled wrong on multiple reports. It has been past the XXXX  day mark and I haven't been sent anything

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have recently discovered that there are unknown/inaccurate accounts being reported to my consumer credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: IL

Complaint narrative:
The following previous name and address are wrong : Incorrect Name - XXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - The following personal information is incorrect- The personal data reporting is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: Chime Financial Inc
State: NY

Complaint narrative:
Basically there was a company taking money out of my Chime Bank checking account multiple occasions I contacted the bank file the dispute they told me that they put a block on the merchant they couldnt take money out same thing happen again in the next month basically its been a repeating pattern for the past five months Continue to take money out of my account after Ive been told its been blocked and then I filed a dispute and they deny dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: GA

Complaint narrative:
I have recently reviewed my consumer report and noticed these fraudulent accounts reporting on my behalf. These accounts are fraudulent as I did not authorize these accounts to be opened on my behalf. Since, this is a form of identity theft I ask that the accounts be removed off of my consumer report 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 explanation
Consumer complaint received 2025-08-02 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am filing this complaint because [ Creditor Name ] is furnishing inaccurate, incomplete, or unverified information to the credit reporting agencies regarding a charged-off account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ). This tradeline is currently being reported as a charge-off, but I have reason to believe that the information reported is not being verified in compliance with the Fair Credit Reporting Act ( FCRA ), particularly XXXX ( a ) ( XXXX ). 

Under the FCRA, I have the right to request a reinvestigation and full validation of any item I believe to be inaccurate. I sent a formal written request directly to the data furnisher asking them to validate the following : A copy of the original signed contract or application The complete payment history The date and reason for the charge-off Records of all communications regarding delinquency or default Confirmation that the account is being reported in compliance with Metro 2 reporting guidelines To date, the furnisher has either failed to respond or has not provided the documentation necessary to substantiate the continued reporting of this account. If the account can not be fully validated, then under federal law it must be removed from all consumer reporting agencies ( XXXX XXXX, and XXXX ). 

I have enclosed a copy of the original dispute and identity verification documents that were sent to the data furnisher. I am requesting the CFPB 's assistance in : Ensuring the furnisher conducts a proper reinvestigation Removing the account from my credit reports if they can not provide sufficient documentation Preventing further inaccurate reporting of this account This incorrect charge-off is negatively impacting my creditworthiness, and I seek prompt correction or deletion of the tradeline per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: GA

Complaint narrative:
Formal Demand for Immediate Removal of Inaccurate Collections Under FCRA 605B and FDCPA ( 15 U.S.C. 1692 et seq. ) To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of three collection accounts that are being inaccurately reported on my credit file. I do not recognize or authorize these debts. They appear to be the result of 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 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This company is breaking the law by failing to provide proper validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they've added a collection to your credit report.

OR This agency is infringing on your consumer rights by using misleading, false, and deceptive tactics. 
I've already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: CA

Complaint narrative:
I opened a Netspend account ( using XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  since there was a {$200.00} promotional bonus when you complete the following completing the following task : Enroll in a direct deposit and receive a total of {$400.00} or more within 60 days of opening the account Acquire and activate the debit card linked to the account I activated my debit card on XX/XX/year> and my direct deposit settled on XX/XX/year>. The {$200.00} bonus was supposed to be deposited into my account XXXX business days after completing the requirements. However, I still haven't received the bonus on my account. I have uploaded the relevant information showing the direct deposit date and the debit cards being active.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I entered into an auto loan with XXXX XXXX XXXX in XXXX. Over the course of several years, I made regular monthly payments, yet my principal balance remained nearly unchanged. By the time the account was closed in XXXX, the remaining balance was still close to the original amount of {$14000.00}. I believe this loan was structured in a predatory manner, potentially with undisclosed fees, backloaded interest, or bundled add-on products that I was not clearly informed about. I also believe I XXXX have been affected by the same patterns that led to the XXXX multi-state settlement over deceptive loan practices. I am requesting a full accounting and investigation into how my payments were applied and whether my loan should have been included in that settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: Servicer under contract with Federal Student Aid
State: LA

Complaint narrative:
I was trying to buy a house and i saw i had damaging information on my credit report thAT didnt get fix. According to 15 uSC 1681 DEFORMATION to my character.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-02 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this 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 explanation
Consumer complaint received 2025-08-02 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: CBC Companies, Inc.
State: MN

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation