vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize this inquiry XXXX XXXXXXXX XXXX Hard Inquiries XXXXXXXX XXXX XXXX not authorize this inquiry XXXX XXXX XXXX Hard Inquiries XXXX I did not authorize this inquiry XXXX XXXXXXXX XXXX XXXX  Hard Inquiries XXXX I did not authorize this inquiry I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including XXXX and Experian. 
Recent Lawsuit Findings : In separate rulings, courts have determined that XXXX and Experian failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine.

Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of XXXX and Experian have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. 
Under the FCRA, I am requesting : Immediate investigation into the disputed items listed above. 
Removal or correction of the inaccurate information. 
An updated copy of my credit report reflecting these corrections. 
I have attached copies of supporting documentation to aid in your investigation, including : A copy of my credit report highlighting the disputed items. 
Documentation supporting my claim of inaccuracy. 
Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. 
Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against Goldman Sachs regarding inaccurate credit reporting associated with my Apple Card payment plan. I believe that Goldman Sachs is in violation of the Fair Credit Reporting Act ( FCRA ) by inaccurately reporting my payment history and failing to provide clear and complete terms of the payment plan agreement. 

Details of the Issue : In XX/XX/year>, I applied for and was accepted into the Goldman Sachs Apple Card payment plan. I was informed that my interest rate would be reduced to 0 % APR for one year and that my account would be reported as current if I made minimum monthly payments of {$78.00}, totaling {$940.00}. 

Since enrolling, I have consistently made the required payments, except for one payment that was delayed by a single day. Despite making subsequent payments on time, Goldman Sachs has continued to report late payments on my credit report. 

When I contacted them for clarification, I was informed that because I missed one of the first payments by a day, they are continuing to report all payments as late. However, they have refused to provide me with an unredacted copy of the full terms and disclosures of the payment plan, only supplying a redacted version. 

Relevant Legal Basis : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are required to provide accurate and complete information to credit reporting agencies. Additionally, they must correct any inaccuracies once a dispute is made. By failing to disclose the full terms of the payment plan and continuing to report accurate payments as late, Goldman Sachs is in violation of these provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am failing a complaint against JPMorgan Chase bank for failing to release my funds after my account was closed. I received an email saying that my account was going to close, and it closed on XX/XX/year>. I was told that my remaining balance would be sent to me via cashiers check by XXXX XXXX XXXX no later than that, but I did not receive the check by those dates. I called chase multiple times to follow up. On my second call, I was told the check would arrive by XX/XX/year>, but once again I did not receive anything by that date. On my most recent call, I was told that my funds are now on hold. Additionally, I received a letter about my savings account stating that a check would be issued. However, I have not received the check for my savings account balance either. By law, chase can not hold my funds indefinitely and is required to send me any remains balance within 10 business days of account closure. As of today, it has been well beyond this timeframe. This delay is causing serious financial hardship as the funds include my financial aid, which I urgently need for school and living expenses, but it has also taken a significant toll on my mental health. The uncertainty and lack of communication have caused me XXXX XXXX  and XXXX XXXX making it extremely difficult to manage my daily life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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:
XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 FICO 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 explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing a formal complaint against American Express ( Amex ) concerning their mishandling of my financial hardship request. 

On XX/XX/XXXX, I contacted Amex to request a hardship payment plan due to my prolonged unemployment and ongoing financial struggles. However, the representative I spoke to did not offer any reasonable assistance and instead responded in a manner that has caused me significant distress. Specifically, the representative : Demanded a minimum payment of over {$1000.00}, which is unaffordable for me given my current financial situation. 
Instructed me to take out a loan, despite the fact that I have already attempted to secure a loan and was denied. 
Threatened me with legal action, stating that if I do not pay, they would sue me. 
This response has exacerbated my anxiety and emotional distress. I already suffer from XXXX, and Amex 's aggressive approach has left me feeling hopeless and helpless. Instead of providing a supportive solution, their actions only worsened my mental health, ignored my financial hardship, and pressured me into options that would only further damage my credit. 

I believe that Amex 's treatment of my case is predatory, unfair, and demonstrates a disregard for consumer rights and protections. I am requesting an urgent review of Amex 's practices and would appreciate your assistance in resolving this matter. 

Thank you for your time and attention to this serious issue. I look forward to your support in addressing this concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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:
Please remove and block the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origins. In compliance with USC 1681g, I am formally requesting their removal within 15 days. Enclosed are the necessary documents for your review and reference.

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 2025-02-28 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: FL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-02-28 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: NJ

Complaint narrative:
I request the immediate blocking and removal of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I have no knowledge of their origins. As per USC 1681g, I am formally requesting their removal within the next 15 days. Relevant documents are attached for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Midland credit management is collecting for XXXX and they continue to say it is for XXXX which is another collection company they cant tell me who they are actually trying to obtain funds for which did take me a minute to realize. When I dispute the collection they refuse to remove off my credit due to I am not sure it belongs to because they do not even know the original company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: MI

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX All these creditors are in violation of my consumers rights. 
XXXX XXXX XXXX to remove an account that was opened in XXXX which is past the XXXX years required by consumer law to remove. I have no knowledge of that old account and they reporting inaccurate address and personal information about me. I asked for them to remove due to reporting inaccurate account and its XXXX years old. They sold the debt to a third party and now deragatory remarks are being reported. The last date reported on my credit was XX/XX/XXXX. 

Capital XXXX is reporting a closed account with a XXXX balance and reporting inaccurate information on my credit report. The account is paid and closed and I asked them several times to provide proper documentation and remove the unauthorized reporting off my credit report. They last reported on XX/XX/XXXX. 

XXXX XXXX, I have no clue who that company is or who they bought a debt from without my consent is now reporting on my credit. It is affecting me negayand violating my consumer rights. 

XXXXXXXX XXXX XXXXXXXX reported {$260.00} on my credit on XX/XX/XXXX. I have no clue who they obtained that debt from and I asked them to remove the inaccurate information off my report. They never supplied me with an original contract. 

XXXX XXXX reported inaccurate payment dates and amount due on XX/XX/XXXX in the amount of {$990.00} and is a third party company that Ive never have permission to report on my credit. I asked them to please remove the inaccurate account from my credit but they never responded. This is effecting me negatively. 

XXXX is also reporting a paid and closed account with a XXXX balance. I spoke with a rep of they company and was promised a removal off my credit report but they are still reporting on my credit, XXXX XXXX XXXX  reported inaccurate information on my credit report im not sure who the company is and I disputed this account several times.

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 2025-02-28 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-28 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: 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-02-28 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: MI

Complaint narrative:
XXXX Is the complaint number XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Mi. XXXX XXXX **Subject : ** FCRA Complaint Regarding Dispute Resolution Exceeding 30 Days To Whom It May Concern, I am writing to formally file a complaint under the Fair Credit Reporting Act ( FCRA ) regarding a dispute resolution process that has exceeded the 30-day timeframe mandated by law. Below are the details of my complaint : XXXX. XXXX XXXX XXXX XXXX - Social Security Number : XXXX - Contact Information : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX CRA ) Involved : ** - Name of CRA : Equifax , Experian, TransUnion - Date Dispute Filed : XXXX - Method of Dispute Submission : Online, - Description of Dispute : Validation of debt 3. **Violation of FCRA : ** - According to the FCRA , credit reporting agencies are required to complete investigations of disputes within 30 days of receiving the dispute ( 45 days if the dispute is based on additional information provided after the initial dispute ).

- As of tthe day the results were given to me, more than 30 days have passed since I submitted my dispute, and I have not received a resolution or any communication regarding the status of my dispute.

4. **Impact on Me : ** - The delay in resolving this dispute has caused denial of credit, higher interest rates, and emotional distress.

5. **Request for Action : ** - I request that the CFPB investigate this matter and ensure that the credit reporting agency complies with the FCRAs requirements.

- I also request that the inaccurate information be corrected or removed from my credit report immediately.

- Please provide me with written confirmation of the resolution of this matter.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation