vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX To whom it may concern Reference- Method of Verification I received your response to the dispute I sent XX/XX/year>. Your company stated the accounts listed below was verified. My question is how do you verify the account? 

What is the method of verification 15 U.S. Code 1861 i ( a ) ( 6 ) ( B ) ( iii ) Can you provide me the method of variation?

Description of the procedure Please provide me with ALL the documentation you received during the INVESTIGATION that proves that negative accounts is reporting accurately I am requesting for your company to provide the evidence within 15 days of this letter. If your company can not provide the documentation, You must delta all accounts listed below. If not I will pursue legal actions against your company. 


XXXX XXXX aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
The bank I've had for so many years close my account due to a fake check which I was unaware of from a employer who said it to me through email when I tried to bubble deposit it but also try to deposit it from a other account which may have caused it to bounce I've tried talking to the bank before to see if I could reopen it but they said no. I still have the conversation with me at the person who sent me the check about my account being closed.

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 2025-04-09 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Date : XX/XX/year> To : Experian XXXX XXXX XXXX XXXX, TX XXXX RE : FCRA Dispute Request for Removal of Inaccurate Information Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX SSN ( last XXXX digits ) : XXXX XXXX : XXXX Dear Experian Dispute Department, Under the Fair Credit Reporting Act ( FCRA ) Section 611, I am writing to formally dispute the accuracy and completeness of the above-referenced account that appears on my Experian credit report. 

This XXXX XXXXXXXX XXXX XXXX XXXX account is reporting a status of " past due '' with a history of multiple delinquencies. However, I have obtained documentation ( enclosed ) from XXXX XXXX XXXX XXXX XXXX stating that the account should be considered paid as agreed and that they are requesting full deletion of the tradeline as part of an internal resolution and goodwill adjustment. 

Accordingly, I request the following actions under the FCRA : XXXX investigation of the reporting status of this account. 

Deletion of all negative payment history associated with this account. 

Removal of the account entirely from my Experian credit report, in line with the creditor 's written request. 

Enclosed Documents : A copy of my government-issued ID A copy of the letter from XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Please respond within the XXXX time frame as required by the FCRA. If this account can not be verified with the updated information from the creditor, I request that it be permanently removed from my credit file. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-04-09 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:
My name is XXXX XXXX and this is not a third party filing this complaint. I am writing to express my concerns regarding the investigation practices of the XXXX major credit bureaus : Experian, TransUnion, and Equifax. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus.

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers.

Additionally, the timelines for resolving disputes appear to be frequently extended, with little communication from the bureaus regarding the status of these investigations. This lack of transparency fosters distrust and raises questions about whether consumers ' rights are being adequately protected. 

The practices employed by these credit bureaus can have serious repercussions on consumers access to credit, employment opportunities, and overall financial health. As such, I urge the CFPB to investigate these practices and ensure that the rights of consumers are upheld. It is vital that these agencies adhere to regulations and provide consumers with the protection they deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: PA

Complaint narrative:
My name is XXXX XXXX and this is not a third party filing this complaint. I am writing to express my concerns regarding the investigation practices of the XXXX major credit bureaus : Experian, TransUnion, and Equifax. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus.

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers.

Additionally, the timelines for resolving disputes appear to be frequently extended, with little communication from the bureaus regarding the status of these investigations. This lack of transparency fosters distrust and raises questions about whether consumers ' rights are being adequately protected. 

The practices employed by these credit bureaus can have serious repercussions on consumers access to credit, employment opportunities, and overall financial health. As such, I urge the CFPB to investigate these practices and ensure that the rights of consumers are upheld. It is vital that these agencies adhere to regulations and provide consumers with the protection they deserve.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bison Bucks Lending
State: OH

Complaint narrative:
Dear Division of Financial Institutions, I am writing to formally file a complaint regarding a personal loan I obtained from Bison Bucks Lending d/b/a Bison Cash, which appears to be operating without proper licensure in the XXXX XXXX XXXX and in violation of XXXX lending laws. 

Below are the details of the loan : Borrower Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Amount : {$620.00} XXXX XXXX XXXX  % Total Finance Charges : {$2400.00} Loan Date : XX/XX/year> Loan Number : XXXX Lender Website : XXXX XXXX XXXX  Tribal Affiliation Claimed : XXXX XXXX XXXX XXXX XXXX I believe the loan violates XXXX law in the following ways : Excessive APR far above XXXX statutory maximum ( currently 28 % for small-dollar loans ). 
No evidence that the lender is licensed by the XXXX XXXXXXXX XXXX XXXX XXXX as required under XXXX. XXXX et seq. 
Attempts to circumvent XXXX law by claiming tribal immunity and jurisdiction, despite lending to an XXXX resident. 
Use of aggressive arbitration clauses and waivers that limit consumer rights. 
I respectfully request the Division investigate this lenders operations and determine whether they are legally permitted to lend to residents of Ohio. I am also requesting assistance in voiding or disputing this predatory loan, and I am prepared to cooperate fully. 

Please let me know if any further documentation is required. 

Sincerely, XXXX XXXX Phone : XXXX Email : XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: MI

Complaint narrative:
This CFPB complaint is being submitted under the authority of FCRA 605B ( 15 U.S.C. 1681c-2 ) to demand that XXXX and without delay block all fraudulent information currently polluting my consumer credit report. You have XXXX business days from the moment you receive this complaint to comply. This information is the direct result of identity theft and fraud and must be removed from my fileno exceptions. 

The false data in question includes a fraudulent personal credit card account, multiple unauthorized hard inquiries, and illegitimate collections. I have attached both a list of these fraudulent hard inquiries and a copy of the FICO credit report you maintain, clearly identifying the bogus entries. 

Let me be absolutely clear : I do not recognize, nor did I authorize, any of the accounts, collections, or inquiries referenced in this complaint. I did not open them. I did not request them. I did not initiate them. They are fraudulentperiod. And continuing to report this information after receiving notice of its illegitimacy constitutes a violation of federal law.

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 2025-04-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA
State: AE

Complaint narrative:
Tried to open a 14 month High Yield CD with Markus by Goldman Sachs. Filled out all the information and wet through all their questions after calling their number only to be told it can not be opened because they are unable to send me a text message with a code. There is no other way to do it for them other than a text message. I live in XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and have a valid US IP phone number that can and does receive text messages from anywhere in the XXXX, but the agent told me it is not accepting the number and therefore, I can not open the CD account. I was going to put in XXXX into the account but due to a simple technical fault on their system, I am unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
I reached a settlement payment plan amount with Discover for approximately {$2800.00} and agreed to a 24 month payment plan that starts at {$100.00} a month for the first 12 months. This agreement was done by Discover internal strategies team, I requested that the updated settlement amount and payment plan be shown and updated on my credit report, yet Discover continued to show the original balance before the settlement agreement as if the account was not agreed to be settled by payment plan. This is a complete misuse of my credit report and illegal. Discover needs to remove this account during the settlement period of update the balance to the settled amount. They stated they wont remove the original balance until payments are completed. This is defamation of my credit report, they are receiving monthly settlement payments as agreed upon and they are reporting something different on my credit report. This is illegal and a violation of the FCRA. This either needs to be updated to the settled amount or removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-04-09 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against Transunion for their failure to comply with federal law regarding the results of a reinvestigation I requested under the Fair Credit Reporting Act ( XXXX  ), specifically XXXX XXXX code XXXX. 

On XXXX XXXX I submitted a formal request for reinvestigation of certain items on my credit report that I believe to be inaccurate. The company acknowledged receipt of my request and conducted a reinvestigation. However, following the completion of this process, they refused to provide me with the results of the reinvestigation stating that they are not obligated to do so. And yes they have completed the investigation I will attach the results. I was transferred to the Supervisor XXXX which told me how they verified the information was just through my social security number and my date of birth. He stated that Nothing Else Was needed to verify the debt. I also told The supervisor XXXX that I was recording the call in which he stated at first he was not at liberty to speak with me although they were recording for " XXXX and XXXX Purposes '' on their end. Then when I assured him that I was not breaking any law and that I XXXX record for my assurance as well he proceeded. very informal conversation, he was speaking to me about my personal loans which I had did not feel comfortable speaking to him about. 

This is in direct violation of XXXX XXXX code XXXX ( A ) ( XXXX ) ( A ), which clearly requires a consumer reporting agency or furnisher to notify the consumer of the results of the reinvestigation not later than XXXX business days after its completion. Furthermore, if any item is modified or deleted as a result of the reinvestigation, I am entitled to a free copy of my credit report reflecting those changes. 

Their refusal to provide this information hinders my ability to verify whether proper corrective action was taken, and it obstructs my right to ensure the accuracy and completeness of my credit file. There also is a particular collection on my account from a fair collections and outsourcing original creditor ( XXXX XXXX Apartments ) that Transunion reported a total balance of {$19000.00}. I disputed the account when it first came on my credit report on XX/XX/XXXX that came back twice as verified ; in which I requested the reinvestigation process, and XXXX informed me on a recorded line for quality and training purposes that with this particular account they were obligated to provide me with the results. they already approved the collection to be removed but will not remove it. they told me that it was verified ONLY through my social security number and first and last name.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I am formally requesting the reinstatement of the account listed as SYNCB/PPC, XXXX Account XXXX : XXXX and Date Opened : XX/XX/year>, as this is a legitimate and active account under my name. This account was opened by me and is an accurate part of my credit history. It has not been subject to any fraudulent activity or data breach concerns, and therefore should not be removed, closed, or flagged in any way. I respectfully ask that this account be restored to reflect the accurate and complete record of my credit responsibilities.

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 2025-04-09 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:
XXXX charged my account {$7500.00} for services provided to patients instead of charging the patients directly. Patients informations were provided on XX/XX/year>. I've faxed these forms multiple times to different fax numbers based on the reps I talked to ( XXXX ; XXXX, XXXX ) but to no avail. Bank of America has also requested for me to talk to the merchant directly but all to no avail. XXXX XXXX sent a list of missing patients insurance and all were provided yet XXXX has refused to issue a refund. 

XXXX ACCOUNT NUMBER : 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 monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and 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 reported to be removed/updated.

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