vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: NY

Complaint narrative:
I have consistently reached out to this company via the support email to no avail. XXXX agent said the account was already closed. The another agent said he closed my account at my request.which is it? I never requested to close my account and never got an emails from the fraud department explaininggg what is going on. Yet, the account is STILL reporting as unpaid on my credit report. How can you report a late balance while never letting me regain access to pay? And where is the explanation from the fraud department?! I haven't been able to access my account because my phone number changed and no one helped me fix this to pay my bill.

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 2025-03-31 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: NY

Complaint narrative:
I have consistently reached out to this company via the support email to no avail. XXXX agent said the account was already closed. The another agent said he closed my account at my request.which is it? I never requested to close my account and never got an emails from the fraud department explaininggg what is going on. Yet, the account is STILL reporting as unpaid on my credit report. How can you report a late balance while never letting me regain access to pay? And where is the explanation from the fraud department?! I haven't been able to access my account because my phone number changed and no one helped me fix this to pay my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
Diversity adjustment is trying to collect a debt from XXXX XXXX concerning a phone that was returned. In 2023 I suffered a XXXX XXXX so everything was delayed. I was slow to activate the phone but when I did it was not functioning properly. He called XXXX XXXX the phone was on speaker and was told it could be returned. I had XXXX XXXXXXXX and argued back and forth trying to get a shipping label so XXXX could pick it up from my home as I could not XXXX XXXX. They continuely refused so I just put it in the mail box.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Goldman Sachs regarding their handling of my savings account. Their actions have caused significant inconvenience and financial disruption, particularly in relation to my attempts to purchase Treasury Bills ( T-Bills ) through XXXX. 
Details of the Issue : XXXX. Account Verification and History : My savings account with Goldman Sachs ( Account Number ending in XXXX ) has been successfully verified with TreasuryDirect. Over the past year, I have completed multiple transactions involving deposits and withdrawals between this account and XXXX without any issues. 
XXXX. Recent Problem : On XX/XX/2025, I attempted to purchase T-Bills through XXXX using XXXX same verified account. However, the transaction failed because Goldman Sachs rejected the debit attempt. XXXX subsequently canceled my purchase request due to this rejection. The attached screenshots from XXXX confirm this failure. 
XXXX. Banks Actions : When I contacted Goldman Sachs by phone to resolve this issue, I was informed that my phone number was not linked to my accounta claim that is both incorrect and alarming. This suggests either gross negligence or intentional obstruction on their part. 
XXXX. Suspected Intentional Obstruction : I believe Goldman Sachs deliberately caused this issue to prevent me from transferring funds out of their bank after they reduced the interest rate on my savings account. This appears to be an unethical attempt to retain customer deposits by creating artificial barriers. 
Impact on Me : I was unable to complete a time-sensitive investment in T-Bills, potentially losing out on better returns. 
The rejection has caused unnecessary stress and wasted time in trying to resolve the matter with both XXXX and Goldman Sachs. 
Resolution Sought : I request that the CFPB investigate Goldman Sachs for : XXXX. Improper handling of verified customer accounts and transactions. 
XXXX. Possible intentional obstruction of fund transfers for personal gain. 
Additionally, I would like Goldman Sachs to : Provide a detailed explanation for rejecting the transaction despite prior verification. 
Ensure that my account is fully operational for future transactions without further interference. 
Compensate me for any financial losses incurred due to this issue. 
I have attached supporting documents, including screenshots from XXXX and any relevant communication records with Goldman Sachs, for your review. 
Thank you for your attention to this matter. I trust that the CFPB will take appropriate action to ensure accountability and prevent such issues from recurring. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: AL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX  XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$XXXX} XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX  - XXXX - XX/XX/XXXX - {$XXXX} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: TX

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 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 2025-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX  XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-03-31 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-03-31 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute an unauthorized credit inquiry that appears on my credit report. Upon reviewing my report, I noticed an inquiry from XXXXXXXX XXXX XXXX  on XX/XX/year>, which I did not authorize. 

According to the Fair Credit Reporting Act ( FCRA ), a company must have my explicit consent or a permissible purpose to pull my credit report. Since I did not initiate or approve this inquiry, I am requesting that it be removed from my credit file immediately. 

Please find attached copies of my identification and a copy of my credit report with the unauthorized inquiry highlighted for your reference. I request that you investigate this matter and provide written confirmation once the inquiry has been removed. 

If this inquiry is not removed, please provide documentation proving that I authorized it. If you can not provide this evidence, I expect the inquiry to be deleted promptly. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
I am writing to formally dispute an unauthorized credit inquiry that appears on my credit report. Upon reviewing my report, I noticed an inquiry from XXXXXXXX XXXX XXXX  on XX/XX/year>, which I did not authorize. 

According to the Fair Credit Reporting Act ( FCRA ), a company must have my explicit consent or a permissible purpose to pull my credit report. Since I did not initiate or approve this inquiry, I am requesting that it be removed from my credit file immediately. 

Please find attached copies of my identification and a copy of my credit report with the unauthorized inquiry highlighted for your reference. I request that you investigate this matter and provide written confirmation once the inquiry has been removed. 

If this inquiry is not removed, please provide documentation proving that I authorized it. If you can not provide this evidence, I expect the inquiry to be deleted promptly. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as required by law. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Veros Credit, LLC
State: NM

Complaint narrative:
The XXXX XXXX XXXX put me as the signer of a car i never drove or touched it was my brother XXXX got the car and it eas suppose to be in his name not mine and I wasnt told the car was used in my credit and when they called me i told them not to give him the car because i never allowed my credit to be used and i was told i would only sign because i had a drivers license to let it go off the lot i was never told by the seller my credit was being used. they keep threatening me and wont remove it from my credit my brother XXXX told them already he was taking full responsibility for the car because of the mix up. The repossessioned the car that i did not know about. At the time he got the car i had my own car and my own payment with XXXX  XXXX. Veros credit has me bad on my credit and i have been fighting for XXXX  years and they will not remove it. I called a few days ago and I was told it will be moved to my brothers name since he spoke with them and off my credit and they will remove all delinquency and nothing has been done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: WA

Complaint narrative:
I paid over {$XXXX} on a XXXX credit card in XXXX and then {$XXXX} in XXXX to help pay it off, but in XXXX AND XXXX, I was charged interest. When I ask them why, they tell me the same thing over and over : it's the interest we charge per statement month. They will not expand on how that makes any sense when my minimums are always under {$XXXX}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I am formally requesting the immediate blocking and removal of all fraudulent accounts and unauthorized inquiries associated with my personal information due to a recent identity theft incident. Under the Fair Credit Reporting Act ( FCRA ), I request that my XXXX XXXX XXXX ( XXXX ) report be updated to reflect only accurate and legitimate information. 
Fraudulent Accounts and Inquiries The following accounts and inquiries were fraudulently opened in my name and must be removed immediately : Fraudulent Accounts : XXXX XXXX Incident Date : XX/XX/XXXX | Balance : {$XXXX} | Account # XXXX XXXX  XXXX XXXX Incident Date : XX/XX/XXXX | Account # XXXX XXXX XXXX  Incident Date : XX/XX/XXXX | Balance : {$XXXX} | Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-31 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: IN

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-31 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: U.S. BANCORP
State: CA

Complaint narrative:
i had an unauthorized charge for XXXX from XXXX  on XX/XX/XXXX. I called the credit card company on that day to deny the charge. they reversed it at first but then charged it back to me and said I had approved it, I dId not, thats why i called immediately. 
The credit card claim investigation claimed they contacted me with the phone number on file, i never heard from anyone. I have been through text messages, Phone call log, emails, and nothing indicates contact from them. my XXXX  oddly received an email on XX/XX/XXXX showing the purchase of the tickets which was almost a month later. The basket ball game for which the tickets were purchased was in XXXX XXXX XXXX XXXXXX/XX/XXXX, i was in XXXX  at the time which i can prove, XXXX tickets, receipts, etc. 
My bank accounts and cell phone were also hacked at the same time. 
The scammers were very clever in making it look like I approved this charge. my Credit card company made no effort to properly contact me with such a large amount of money, this is elder abuse! I have been a faithful customer to US bank, and this is criminal.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/year> I noticed on my credit file that my personal information is being reported inaccurately. Therefore, on XX/XX/year>XXXX  I sent letters to each Credit Bureau requesting my personal information be updated and reported accurately. And I have yet, received a response!

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 2025-03-31 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: MO

Complaint narrative:
On XX/XX/year> I noticed on my credit file that my personal information is being reported inaccurately. Therefore, on XX/XX/year> I sent letters to each Credit Bureau requesting my personal information be updated and reported accurately. And I have yet, received a response!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
We recently had a new water heater installed through XXXX XXXX XXXX and they told us we could finance with 0 % interest for 18 months using Synchrony. When we signed up we were not aware of or told about an activation fee for the credit card and when we contacted Synchrony they refused to waive/refund the {$69.00} activation fee. If we had know about this fee we would not have chosen this option as we were told that there was no fee to utilize this program.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my 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 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. 
Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with non-monetary relief