vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-03 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: MD

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : inquieres : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I had a credit card with XXXX  XXXX, they sold the account to a debt collector and they keep emailing me after I have told them to stop. The company has also called numerous times. I told them my contract was with the original creditors and to stop contacting me.

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

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-03 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: NJ

Complaint narrative:
After thoroughly reviewing my credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation.

The following accounts and inquiries are inaccurate, unverifiable, or should not be reported under my credit file. There are multiple collection and charge-off accounts that require immediate removal, including XXXX XXXX with account number XXXX for {$470.00}, XXXX XXXX with account numbers XXXX, XXXX, XXXX, XXXX, and XXXX, all reporting {$0.00}. Additionally, XXXX XXXX XXXX XXXX XXXX with account number XXXX for {$310.00}, XXXX XXXX XXXX with account number XXXX for {$900.00}, and XXXX with account number XXXX for {$6100.00} need to be removed as they are inaccurate. Other accounts that require verification or deletion include XXXX XXXX XXXX with account number XXXX for {$900.00} and XXXX XXXX XXXX  with account number XXXX for {$270.00}. 

There are also multiple unauthorized or unverified inquiries that should not be on my report, including XXXX XXXX dated XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXXXXXX dated XX/XX/year> and XX/XX/year>, and XXXX dated XX/XX/year>. These inquiries were not authorized by me and must be removed immediately. 

Additionally, my personal information is being misreported. My name is inaccurately listed as XXXX XXXX XXXX, with an alternate listing as XXXX XXXX. This is not my legal name and must be corrected. Furthermore, XXXX XXXX is incorrectly listed as my employer and needs to be removed from my file. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that is both accurate and verifiable. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution without delay.

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 2025-03-03 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: J J Marshall & Associates, Inc
State: IN

Complaint narrative:
Well according to 15 U.S. Code 6802 ( b ) it does state A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party. XXXX ) The original creditor XXXX XXXX violated this law. My information was shared without my consent. Also JJ Marshalls is currently in violation because they have been reporting to XXXX third parties. XXXX and XXXX. Without my knowledge and consent. 
As the consumer I was unaware that my personal information was given to a third party and then by that third party reported to two other parties.

I havent received an initial notice by mail or electronically from this company. This is my second complaint to this company.

15 Usc & 1692 C does state Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1681c no consumer reporting agency may make any consumer report containing any of the following items of information : Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
XXXX and XXXX have both violated this. My personal information such as my birth date, employment history, phone numbers, and old addresses. The only thing that should be on my report are criminal convictions. These are violations of the FCRA. Also the account from JJ Marshall & Associates Inc on my reports is another violation.

12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' As I have carefully mentioned in the complaint before. I am opting out their reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-03 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: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
On XXXX XXXX XXXX XXXX deducted {$59.00} that is for a membership purchase account. When money deducted from account funds reflected and was ready to spend. However as informed my bank called Current that I had Skip this month membership with XXXX XXXX but funds were still deducted. My bank current provided a provisional credit of {$59.00}. On XXXX XXXX my bank reversed the credit. I asked why they stated they had contacted merchant and determined no error. I have communicated with XXXX XXXX since letting them no my bank took the funds and request funds credit on to my XXXX XXXX account. Merchants states bank requested refund and refund has been successful and refused to give the credit back on my account due to bank Current has yet to send the money they deducted on XXXX XXXX back to merchant.

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

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA

Complaint narrative:
I've sent a previous complaint ( XXXX ) where I've described what happened : " Since XX/XX/year>, I have contacted Marcus by Goldman Sachs customer service multiple times to request the linking of my external American bank account. I provided all required information and was informed that I would receive a trial deposit within XXXX business days to complete the linking process. However, the trial deposit has not been processed, preventing the linking of my external bank account. As a result, I am unable to withdraw my funds from Marcus by Goldman Sachs. Despite multiple follow-ups, the issue remains unresolved. Each time XXXX contact customer service, I am told that the trial deposit will be completed within XXXX business days. However, this has not happened. According to my call records, I have gone through this repetitive process on XXXX occasions since XX/XX/year>. On each occasion, I was assured that the trial deposits and account linking would be completed within XXXX business days, but this commitment has not been met. I would appreciate your assistance in resolving this issue promptly, as I need access to my funds. '' As you can check in the records, Marcus by Goldman Sachs stated that " In accordance with the Banks XXXX, customers may not link a business account. Unfortunately, the external account the Customer attempted to link is a business account and does not meet the Banks requirements ''. 

However, the external bank account is an individual/personal account ( see a copy of the customer details below form the external bank ). This clearly indicates that the external account is a personal account. 

REQUEST XXXX Therefore, I request that Marcus by Goldman Sachs complete the linking process by sending the trial deposits.

REQUEST 2 Additionally, I am requesting proof, such as documentary evidence, confirming that Marcus by Goldman Sachs attempted to send the trial deposits to the external account. I am asking for this proof because I was told by XXXX on several occasions that the trial deposits would be sent. 

REQUEST XXXX I am also concerned because I have been repeatedly told that the account was already linked and that the only remaining step was the trial deposit. Why were all the XXXX support representatives assuring me that the account was linked and that only the trial deposit remained to be processed? Now, you are telling me a different storythat the external account was never linked. Can you please explain this discrepancy and the change in approach by Marcus?

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

Complaint narrative:
After thoroughly reviewing my credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

The following accounts and inquiries are inaccurate, unverifiable, or should not be reported under my credit file. There are multiple collection and charge-off accounts that require immediate removal, including XXXX XXXX with account number XXXX for {$470.00}, XXXX XXXX with account XXXX XXXX, XXXX, XXXX, XXXX, and XXXX, all reporting {$0.00}. Additionally, XXXX XXXX XXXX XXXX XXXX  with account number XXXX for {$310.00}, XXXX XXXX XXXX XXXX account number XXXX for {$900.00}, and XXXX with account number XXXX for {$6100.00} need to be removed as they are inaccurate. Other accounts that require verification or deletion include XXXX XXXX XXXX with account number XXXX for {$900.00} and XXXX XXXX XXXX with account number XXXX for {$270.00}. 

There are also multiple unauthorized or unverified inquiries that should not be on my report, including XXXX XXXX dated XX/XX/2024, XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX dated XX/XX/2024 and XX/XX/2024, and XXXX dated XX/XX/2024. These inquiries were not authorized by me and must be removed immediately. 

Additionally, my personal information is being misreported. My name is inaccurately listed as XXXX XXXX XXXX, with an alternate listing as XXXX XXXX. This is not my legal name and must be corrected. Furthermore, XXXX XXXX is incorrectly listed as my employer and needs to be removed from my file. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that is both accurate and verifiable. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution without delay.

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 2025-03-03 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: D&A Services, LLC
State: NJ

Complaint narrative:
I had received a notice form D & A Services to collect a debt. I sent them a certified mail that was received on their end on XX/XX/year>2025 requesting to validate the debt including Complete break down of debt, proof of ownership and legal authority to collect debt, a breakdown of the debt, verification of debts validity, statue of limitations and their licensing information. I have yet to receive any of the requested information and I keep receiving phone calls from this Collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I used my Apple Card to do an installment agreement to buy and Apple phone XXXX. I made 3 payments {$3000.00} XX/XX/XXXX {$100.00} XX/XX/XXXX and {$100.00} XX/XX/XXXX. At this time I noticed it was not an installment sale so I called and they converted it to an installment ageeement and I received the email. I had a credit balance of {$230.00}. On the email it says my first installment was due XX/XX/XXXX and that I could pay off my balance quicker. They took the first installment XX/XX/XXXX. I phoned today XXXX to ask why my positive balance had dropped and they said it was because the installment had gone out and they dont know why as they saw in the email XX/XX/XXXX too. I then asked them to apply the rest of the positive balance to the installment and was told they can not do that the system wont allow. The email states I can pay more every month to pay it off earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/year> my account was close for no reason by cash app. I have had this account for many years and never had any problems I have contacted cash app to seek an explanation and was told I could not talk a supervisor and had to wait for email communication mean while my money is on cash app and have no way of sending or receiving my funds $ XXXX

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

Complaint narrative:
I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ XXXX XXXX ], [ XXXX ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I ask that these payments be update please

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 2025-03-03 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: TX

Complaint narrative:
I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ XXXX XXXX ], [ XXXX ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I ask that these payments be update please

Company response to consumer: Closed with non-monetary relief