vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: OH

Complaint narrative:
On XX/XX/XXXX I received an email notification from a third-party monitoring service that my GSBANK/Goldman Sachs Apple Credit Card was reported as 90 days delinquent to the credit bureaus. My card was current and had been for the entirety of 2024 and one late payment in early 2023, that was made before 30 days delinquent and brought the account current. When I selected the option to dispute the account status, the delinquency was no longer present. When I checked my card status with XXXX, it showed current. I checked with other credit monitoring services and the delinquency was also not there. However, this was reported to the credit bureaus before presumably being expunged, and the damage was done. As a result, no fewer than three other credit lines belonging to me from other lenders were significantly reduced, causing serious damage of over 100 points to my credit score due to reduced available credit and significantly increased utilization percentage. More than {$10000.00} in available credit limit was revoked across at least XXXX credit card accounts. I am pursuing credit line increases with these lenders again on my own ; however, the damage has been done. This was grossly negligent of Apple and Goldman Sachs and they should be held accountable for this egregious error that has undone all the progress I have made on my credit profile over several years of meticulous credit management.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: WA

Complaint narrative:
Ive been disputed these account for years. Even when they are close its still affect me cause my credit score and not ever being able to get credit anywhere.

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 2025-02-06 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: NJ

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 of my FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support 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. The following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 inquiries 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 new financial products. I have requested contracts from this company with my information but I have not received any response from them, please help me immediately delete these inquiries. 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 2025-02-06 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: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
XXXX XXXX : On XX/XX/year>, I wanted to send my mover a {$50.00} dollar tip. I went to our messages and proceeded to go through the steps, and before i could do my face recognition to verify that I was sending it, {$50.00} was taken from my XXXX account which was linked to XXXX XXXX, but it did t not show that it sent. I waited a moment because I was confused, and ended up sending it again to verify the purchase with Face ID. When I called XXXX, they told me the payment was sent twice and that there was an error on their end but since it pulled from my chime and not from a balance in my XXXX XXXX that they could do nothing about it and to dispute it from my bank. I called XXXX and told them what I just learned. I disputed the transaction but the transaction was denied because they had no prove that it was an error with XXXX XXXX. 

My Cash App was closed for gambling activities. XXXX XXXX  had a fundraiser and some of the people didnt have cash, so I allowed them to send to my cash app. After a couple of days, I went on to see if there were any remaining funds in the account so that I could turn them in to her school and noticed my account was closed. I immediately went to my email for the cause, thinking that it was compromised and they hadnt sent me anything. I talked to chat support in the app because I was unable to get a live agent on the phone, and requested the document on why it was closed. I went through a long process of appeal to be denied insinuating that I was gambling with the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$18000.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$580.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$1300.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-06 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: PA

Complaint narrative:
I sent certified complaint letters dated XX/XX/year> & XX/XX/year> for the account XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: PA

Complaint narrative:
I sent certified complaint letters dated XX/XX/year> & XX/XX/year> for the account XXXX Bank.

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 2025-02-06 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: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-02-06 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: NJ

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX, CA, XXXX ] [ XXXX ] [ XXXX - XXXX - XXXX ] Date : [ XX/XX/year> ] Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report [ XXXX XXXX ] Dear Experian Dispute Resolution Team, I hope this letter finds you well. I am writing to formally dispute several inaccuracies on my credit report as I continue to experience errors in reporting from your bureau, despite previous attempts to resolve these matters. These discrepancies have caused significant harm to my credit standing, which is contrary to both legal and regulatory standards set forth under the Fair Credit Reporting Act ( FCRA ). 

I have reviewed my Experian credit report and identified the following information that is inaccurate or outdated : [ List the inaccurate or outdated information include account names, numbers, and the incorrect information reported. ] As per the guidelines and procedures required under the FCRA, you are obligated to ensure that the information you report is accurate and up-to-date. The Consumer Financial Protection Bureau ( CFPB ) has previously filed actions against Experian for similar failures to maintain accurate and timely dispute resolutions. Despite these legal concerns, my disputes have not been satisfactorily addressed, and inaccurate information remains on my credit report. This is a direct violation of the FCRA and my consumer rights. 

In light of these ongoing inaccuracies and poor dispute handling, I am requesting : A full investigation into the disputed information and corrections to any inaccurate data on my report. 
A written confirmation that these corrections have been made, as well as the revised version of my credit report. 
A prompt response in accordance with the FCRA, which mandates that you respond within 30 days of receiving my dispute. 
Please note that if these discrepancies are not resolved within the required time frame, I will have no choice but to take further action, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies, as well as seeking legal remedies. 

I have enclosed copies of my identification and any supporting documents relevant to this dispute. If you require further information or documentation, please do not hesitate to contact me at [ phone number ] or via email at [ email address ]. 

Thank you for your immediate attention to this matter. I expect a timely resolution to this dispute. 

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 2025-02-06 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: AL

Complaint narrative:
I am writing to dispute an item on my credit report that I believe is fraudulent and was incorrectly added to my credit file. This account has been on my credit report since XXXX, and despite my previous dispute in XXXX, it was not removed and was even updated again in XXXX. 

Details of the Disputed Item : Account Name : XXXX Account Number : XXXX Account Type : Open account Balance : {$8500.00} Date Added : XXXX Last Updated : XXXX Date Opened : XX/XX/XXXX I have previously provided the following documentation to substantiate my claim : Proof of residence to show I did not live at the address linked to the account. 
Social Security card, identification, and state ID to confirm my identity. 
A police report indicating this was a case of identity theft. 

Despite this, the item was not removed from my credit report. By law, this negative information should have been automatically removed after seven years, which would be by XXXX. However, it remains on my credit report, impacting my credit score and financial standing.

Request : 1. Reinvestigate this item : Please conduct a thorough investigation into this account to verify its legitimacy.

2. Remove the item : Given the evidence previously provided and the legal requirement for removal after seven years, I request that this account be removed from my credit report immediately.

3. Correction Notification : Notify any entity or individual who has received my credit report in the last six months about this correction.

4. Free Updated Report : Provide me with a free copy of my updated credit report once this investigation is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: AZ

Complaint narrative:
Dear Sir/Madam, I am writing to formally file a complaint regarding identity theft that has severely impacted my financial stability and overall well-being. This situation has been exceptionally challenging due to my medical condition and the significant hardships my family and I have endured as a result. 

I have XXXX XXXX, XXXX XXXX XXXX XXXX and ability to promptly monitor and respond to financial matters. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The identity theft has significantly affected my credit, preventing me from qualifying for a new, more accessible home that would greatly improve my quality of life. 

During the onset of the XXXX pandemic, my high-risk health status required strict isolation. Additionally, I was solely responsible for overseeing the online education of our XXXX children, while my husband was the sole provider for our family. 

Unbeknownst to us, fraudulent activities were occurring in my name. The accumulation of unexplained debt forced my husband and me to file for bankruptcy, which we now realize was the direct result of identity theft. Despite taking steps to address this issue, I continue to face significant difficulties, including unauthorized accounts and debts associated with XXXX XXXX, Equifax, XXXX XXXX XXXX, and Experian. 

These ongoing issues have had a profound effect on my familys quality of life. The fraudulent activities have hindered our ability to purchase a new, accessible homea critical need due to the challenges posed XXXX XXXX XXXX in our current two-story residence. 

I respectfully request the Consumer Financial Protection Bureau 's assistance in investigating these matters and holding the responsible parties accountable. I am seeking your support to rectify the fraudulent accounts and debts that continue to cause undue hardship for my family. 

Thank you for your attention to this urgent matter. I am available to provide any additional information or documentation needed to support my complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: AZ

Complaint narrative:
Dear Sir/Madam, I am writing to formally file a complaint regarding identity theft that has severely impacted my financial stability and overall well-being. This situation has been exceptionally challenging due to my medical condition and the significant hardships my family and I have endured as a result. 

I have XXXX XXXX, XXXX XXXX XXXX XXXX and ability to promptly monitor and respond to financial matters. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The identity theft has significantly affected my credit, preventing me from qualifying for a new, more accessible home that would greatly improve my quality of life. 

During the onset of the XXXX pandemic, my high-risk health status required strict isolation. Additionally, I was solely responsible for overseeing the online education of our XXXX children, while my husband was the sole provider for our family. 

Unbeknownst to us, fraudulent activities were occurring in my name. The accumulation of unexplained debt forced my husband and me to file for bankruptcy, which we now realize was the direct result of identity theft. Despite taking steps to address this issue, I continue to face significant difficulties, including unauthorized accounts and debts associated with XXXX XXXX, Equifax, XXXX XXXX XXXX, and Experian. 

These ongoing issues have had a profound effect on my familys quality of life. The fraudulent activities have hindered our ability to purchase a new, accessible homea critical need due to the challenges posed XXXX XXXX XXXX in our current two-story residence. 

I respectfully request the Consumer Financial Protection Bureau 's assistance in investigating these matters and holding the responsible parties accountable. I am seeking your support to rectify the fraudulent accounts and debts that continue to cause undue hardship for my family. 

Thank you for your attention to this urgent matter. I am available to provide any additional information or documentation needed to support my complaint. 

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 non-monetary relief
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2025-02-06 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:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2025-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Submitted a request to stop communicating and to stop calling me they havent stopped and they also call after hours. They keep calling me at XXXX or XXXX pm at night. They are called XXXX XXXX XXXX. 
They have called XXXX times this week on Monday the XXXX of XXXX at XXXX Tuesday the XXXX of XXXX at XXXX pm Wednesday the XXXX if XXXX at XXXX Pm I will take legal action if it doesnt stop.

Company response to consumer: Closed with explanation