vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: IL

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 2025-04-08 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 was involved in a few data breaches. I have spent time and money trying to remove these fraudulent items from my credit report including adding a fraud alert.

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 2025-04-08 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: FL

Complaint narrative:
MY INFORMATION HAVE BEEN COMPROMISED BANK ACCTS XXXX OTHER THINGS WERE OPEN IN MY NAME IVE DISPUTED IT DID EVERYTHING POSSIBLE XXXX  NOTHING HAPPENED SO NOW I WAS TOLD XXXX FILE AN POLICE REPORT WHICH I AM DOING NOW

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My identity was stolen while I was XX/XX/XXXX All credit cards, like XXXX, XXXX XXXXXX/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 explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Cashapp closed my account illegally around XXXX. I have called several times throughout the years from XXXX as well as spoken with virtual assistants to see why. They all told me I can not get my account back because I violated the terms and conditions. When I ask which one I violated because I know I never did anything outside of sending and receiving from family and friends they told to look over there terms and violation to see for myself. When I asked for my account records so that I can appeal it they told they can't do that and that I need to read over terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: PA

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 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Date : XX/XX/year> Apple Card/Goldman Sachs Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Formal Complaint Regarding 30-Day Late Payment Reporting Case # : XXXX To Whom It May Concern, I am writing to formally dispute and request the immediate removal of a 30-day late payment reported by Apple Card/Goldman Sachs Bank to XXXX, XXXX XXXX and XXXX on XX/XX/year>. 

I contacted your office on Monday, XX/XX/year>, at XXXXXXXX XXXX and spoke with a manager regarding this matter. During the call, I explained that I am a XXXX XXXX and was XXXX in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX which caused a one-time payment delay. The manager acknowledged the situation and assured me that the late mark would be removed as a courtesy. I was issued the following case number : XXXX and was told to allow 30 days for the correction to reflect on my credit profile. 

Despite this assurance and the time given, the 30-day late mark remains on my credit reports with XXXX, XXXX, and XXXX. I have maintained my Apple Card account in good standing for over 2.5 years, with no prior late payments. Given my history and the circumstances surrounding this isolated incident, I am once again requesting that the 30-day late be removed immediately from all three credit bureaus. 

Additionally, I am requesting the following : Written confirmation of the late payment removal from your office. 
Notification letters from XXXX, XXXX, and XXXX confirming the removal. 
A letter of apology for the confusion and continued negative reporting despite your managers promise. 

Please treat this as an urgent matter, as this inaccurate information is unjustly impacting my credit profile and professional reputation. I trust that Apple Card and Goldman Sachs Bank will honor the commitment made and promptly correct this error. 

Thank you for your attention and swift action. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
I am angry. You are delaying doing your job! I need my credit profile restored as soon as possible. There are MANY errors I am trying to fix and I am getting the RUNAROUND from you people!

THIS IS THE 8TH time you have asked for ID. I ALREADY provided that to you over and over again along with a utility bill! Did you lose it or something??

If I dont get my results from my request to you- I will file a complaint on you.

I AM tired of your stall tactics! YOUR inaccurate reporting is what is causing this mess in the first place!

Attached is ANOTHER copy of my ID- THIS TIME PLEASE send me my results from now OVER 45 days ago. 
My address is : XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Please REMOVE any other address on my report as I do not live there!

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 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I never applied for Citi XXXX XXXX XXXX XXXX. This is the text message I received : Citi : Access your temporary XXXX XXXX XXXX XXXX XXXX XXXX details here : XXXX XXXX XXXX XXXX  Reply STOP to opt out

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 2025-04-08 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: Experian Information Solutions Inc.
State: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2025-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted.

Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX {$2400.00} Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 
Ceaseanddesistasap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: LA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The following accounts are listed below : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : XXXXXXXX XXXX XXXX  XXXX  Date : XX/XX/XXXX Amount : XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: T.S. Holdings
State: FL

Complaint narrative:
XXXX A XXXX XXXX XXXX XXXX XXXX, FL XXXX To : IQ DATA INTERNATIONAL Subject : **Request for Investigation under FCRA Section 609 URGENT DISPUTE** Dear IQ DATA INTERNATIONAL I am formally requesting, under my rights granted by the Fair Credit Reporting Act ( FCRA ) Section XXXX, that you provide **complete verification** of the following account ( XXXX ) listed on my credit report. If you are unable to verify the accuracy, ownership, and authorization of the account ( XXXX ), they must be **immediately removed** from my credit profile. 

XXXX*The following account ( s ) are in question : ** - Creditor Name : IQ DATA INTERNATIONAL - Account Number : XXXX As per Section 609, I am requesting the following : 1. A copy of the original signed contract or application with my signature for each account listed above.

2. The name and address of the original creditor.

3. A detailed explanation of how the information was verified.

4. A description of the procedure used to determine the accuracy and completeness of the information.

5. Any and all documentation bearing my signature that supports your reporting. 

**Note : ** According to FCRA regulations, unverifiable, outdated, inaccurate, or incomplete items must be removed within 30 days of receipt of this letter. However, due to the urgency of this matter and its impact on my financial well-being, I am requesting that this matter be handled as soon as possible, preferably within XXXX*24 hours**. 

If you can not fully verify the item ( XXXX ) with documentation, they must be deleted from my credit report as required by the FCRA. 

Please confirm in writing when this has been completed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts are not mine and a result of identity theft i demand deletion under FCRA law 15USC 1681

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian continues to report harmful inaccuracies on my credit profile that should have been corrected long ago. The presence of these errors signals a serious flaw in your investigation and verification process. These inaccuracies are directly harming my financial standing, and I will not tolerate continued negligence. 

The FCRA requires that every item reported must be both accurate and verifiable through original supporting documents. If Experian can not prove these records are valid using legitimate evidence, they must be deleted immediately. I expect a complete reinvestigation and immediate correctionfurther delay will be treated as a direct violation of my rights.

The following dispute items are inaccurate and require urgent correction : Collectiom I Charge Off XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$1500.00}

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 2025-04-08 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: GA

Complaint narrative:
CREDITOR FAILED TO COMPLY WITHIN 30 DAYS FOR investigation. Under 15 U.S.C. 168i ( a ) ( 5 ), I demand the immediate deletion of all inaccurate, outdated, or unverified account. The following CLOSED ACCOUNT on my credit report : XXXX XXXX XXXX XXXX reported on XX/XX/XXXX and XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), Section ( 15 U.S.C. ~1692g ) ( 15 U.S.C. ~ 1635 ), YOU ARE REPORTING THIS ACCOUNT AS CLOSED YET YOU ALSO REPORT A MONTHLY PAYMENT? DELETE ACCOUNT IMMEDIATELY FOR INACCURATE REPORTING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: MS

Complaint narrative:
i have been a victim of identity theft and these debts are not a direct source of my doing. Please i am disputing the validity of these debts and asking for proof of debt according to Section 15 code 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am extremely frustrated by the continued presence of false information on my TransUnion credit report. These are not minor clerical mistakesthey are serious reporting failures that are damaging my financial credibility and blocking access to opportunities. Despite previous disputes, these inaccuracies remain unresolved, which shows a blatant disregard for maintaining accurate consumer data. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fully accurate and verified. If TransUnion can not provide clear, irrefutable documentation to support the reported information, it must be removed without delay. Im not askingIm demanding full compliance with federal law. Continued inaction will be treated as willful negligence.

The following dispute items are inaccurate and must be addressed immediately : XXXX I Charge Off XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$1500.00} XXXX XXXX XXXXXXXX - {$1300.00} Personal Information XXXX XXXX XXXX  Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  CA 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 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: PR

Complaint narrative:
On XX/XX/XXXX of XXXX, I applied for a credit card at XXXX XXXX XXXX XXXX XXXX and was denied due to there being adverse credit on my credit report. They informed me that it was for a credit card from Goldman Sachs Bank USA for {$12000.00} and charged off for {$1300.00}. I live in XXXX XXXX and have never applied for any products from this bank. I called XXXX to file a dispute and they sent their response by letter on XX/XX/XXXX of XXXX ; it stated that the dispute had been denied. They specified that it was for an APPLE CARD - GS BANK USA that had been opened on XX/XX/XXXX of XXXX for {$12000.00} and charged off on XX/XX/XXXX of XXXX for {$1300.00}. I called XXXX again and they placed a fraud alert plus told me that the next steps would be to report it to the bank and the pertinent government agencies listed on the letter. I called Goldman Sachs bank to report the fraud and they were asking for my contact information but since I do not have an account with them I didnt feel comfortable sharing any information with them. I tried to file a report on the Federal Trade Commission 's website but it redirected me to the Consumer Financial Report Bureaus ( this ) website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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