vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

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 confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. 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 items 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 ) ( 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.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WI

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 confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. 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 items 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 ) ( 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I moved my availabile money from my savings because everbank isnt very good with customer service and I didnt have access to a debit card because they messed up a claim. In retaliation they tried to freeze the wire that I sent from my available balance to my new bank and steal the money and/or keep me as a customer. Since that time Ive requested statements proof of funds access to my accounts as well as the money which I estimate to be around XXXX back. All they have sent me is a fraudulent XXXX file made by them personally no physical bank statements or any proof of anything. This was months ago Ive even gone so far as to call the employee text the ceo just for some basic customer service. They claim to have closed my accounts but just got an email for an XXXX statement. The fraud at everbank is unbelievable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for the savor excellent credit card which has a promotion that says : Earn {$200.00} As a one-time bonus once you spend {$500.00} within XXXX  months of account opening. 

I clicked see if I am pre approved and the next screen it says I was approved and I applied for the card and was accepted. 

XXXX  months later and over {$500.00} spent on the card I called them and they tell me I was not approved for the card and the card I was approved for was the good credit version. I never applied for the good credit version and it never told me I was denied from the excellent credit version. I feel like this is a marketing scam, they never told me I was denied for the card I was applying for. I never would have gotten this card without that promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
EXPERIAN IS THE ONLY CREDIT AGENCY THAT HAS CONTINUED TO REPORT FRAUDULENT INFORMATION ON MY REPORT. 

They were suppose to follow the procedures of the laws - FCRA XXXX ( B ) law - which states a agency is suppose to BLOCK fraud information within XXXX business days of receipt. 
Experian has never blocked this account, ever. Even after receiving all of my necessary documents illustrating that this is fraud information. Therefor ' i am in pursuit of including all parties involved in a civil suit that will render me {$1000.00} per month for false reporting on my name. XXXX per month this account has been reporting on my profile, in damages.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

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 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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am filing this complaint against Goldman Sachs Bank USA XXXX Apple Card issuer ) for continuing to report inaccurate and unvalidated information on my credit reports. 

I submitted a formal request for debt validation and dispute under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). In response, Goldman Sachs only provided billing statements and a generic copy of the Apple Card Customer Agreement. These do not meet the federal standard for proper validation. 

I specifically requested : XXXX. A signed agreement or verification of my electronic signature ; XXXX. A detailed, itemized breakdown of the reported balance ( including interest, fees, and penalties ) ; XXXX. Proof that Goldman Sachs has legal authority to collect this debt or report it to credit bureaus. 

On XX/XX/year>, during a call with one of their agents, I was told that they are unable to provide the above documentation and that billing statements are all they send. I have recorded this conversation and can provide it upon request. 

Despite admitting they can not validate the debt beyond those statements, Goldman Sachs continues to report the account as charged-off with a balance of {$12000.00} to XXXX, XXXX, and XXXX. 

I am requesting the following : Immediate investigation and removal or correction of the account if validation can not be fully provided ; That the account be clearly marked as in dispute with all credit bureaus ( as required by FCRA 623 ) ; That any collection or reporting activity be suspended until proper validation is supplied. 

Their failure to validate the debt and continued negative reporting may constitute violations of the FCRA and FDCPA. I respectfully ask for the CFPB to investigate and assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens 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 non-monetary relief
Consumer complaint received 2025-04-10 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On the summer XXXX of 2024 I was charged a debt for an unauthorized transaction! I spoke with a representative at the branch and they told me there was nothing they could do. I proved every point and they had nothing to say but I cant help 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 explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Spoken to agent with # XXXX on XX/XX/year> who refused to assist me with my dispute Dispute reversal charges made for eight charges totaling {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am seeking assistance in reviewing accounts that are incorrectly reported as having late payments. My credit report shows late payment marks on specific accounts, which is inaccurate. These accounts should not have any late payment remarks. Please remove them and ensure the accounts are updated to a positive status as originally agreed.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX. 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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I kindly ask that you block and remove the unauthorized accounts from my credit file without delay. I have no knowledge of these accounts, nor did I authorize them. Under the provisions of USC 1681g, Im requesting that these be deleted within 15 days. Enclosed are the necessary documents for your review. Please note that the reported information varies between bureaus and appears to be inaccurate

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 2025-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 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 2025-04-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC.
State: AK

Complaint narrative:
I had a credit card account with XXXX XXXX which was charged off and the account was sold to Midland Credit Management. I paid off the account in full with Midland Credit Management on XX/XX/2024. Since then Midland Credit Management has failed to report that the account has been paid off in full. I would like this to be removed from my credit report as soon as possible. This negative item on my credit report is preventing me from opening new accounts with credit and debit banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian Legal po box XXXX XXXXXXXX XXXX  XXXX Subject : Request for Immediate Removal or Correction of Negative Information Under Section 605-B of the FCRA To Whom It May Concern, I am writing to formally request the immediate removal or correction of certain negative information on my credit report under the provisions outlined in Section 605-B of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, any negative information that has been reported for longer than seven years must be removed from a consumers credit report. 
Disputed Information Account Name : Account Number : Open-XXXX XXXX XXXX XXXX XXXXXXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments, charge-offs, collections, etc Date of First Delinquency/Negative Report : Date of first delinquency As per Section 605-B of the FCRA, I believe that the information in question is outdated and should have been removed after the allowable reporting period of seven years. I respectfully request that you remove this information from my credit report immediately, as you are required to do by law.

Request for Immediate Action By law, I expect you to process and remove this inaccurate or outdated information within 3 to 4 business days. It has come to my attention that Experian is currently being sued by the Consumer Financial Protection Bureau ( CFPB ) for failing to properly investigate and remove inaccurate information from consumer credit reports. I expec tEquifax/TransUnion to fully comply with FCRA regulations and avoid similar violations. 
If this request is not processed in the required time frame, I will take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing other legal remedies. 
Please send me a written confirmation once the action has been taken and provide an updated copy of my credit report reflecting the corrections. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian Legal po box XXXX XXXXXXXX XXXX  XXXX Subject : Request for Immediate Removal or Correction of Negative Information Under Section 605-B of the FCRA To Whom It May Concern, I am writing to formally request the immediate removal or correction of certain negative information on my credit report under the provisions outlined in Section 605-B of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, any negative information that has been reported for longer than seven years must be removed from a consumers credit report. 
Disputed Information Account Name : Account Number : Open-XXXX XXXX XXXX XXXX XXXXXXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments, charge-offs, collections, etc Date of First Delinquency/Negative Report : Date of first delinquency As per Section 605-B of the FCRA, I believe that the information in question is outdated and should have been removed after the allowable reporting period of seven years. I respectfully request that you remove this information from my credit report immediately, as you are required to do by law.

Request for Immediate Action By law, I expect you to process and remove this inaccurate or outdated information within 3 to 4 business days. It has come to my attention that Experian is currently being sued by the Consumer Financial Protection Bureau ( CFPB ) for failing to properly investigate and remove inaccurate information from consumer credit reports. I expec tEquifax/TransUnion to fully comply with FCRA regulations and avoid similar violations. 
If this request is not processed in the required time frame, I will take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing other legal remedies. 
Please send me a written confirmation once the action has been taken and provide an updated copy of my credit report reflecting the corrections. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief