vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: GA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. 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 non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Activehours
State: CA

Complaint narrative:
I used the EarnIn app while employed to access small advances on my paycheck. I recently quit my job and no longer have income coming in. On or around XX/XX/year>, I received my federal tax refund via direct deposit. A few days later, Earnin withdrew over {$300.00} from my checking account without notice, immediately draining the balance and leaving me with no funds for housing, fuel, or food. 
I understand this was repayment for a past advance, but I was no longer employed and had not received a paycheck. The withdrawal was not rescheduled with my input, nor was I given any warning. I contacted EarnIn support and asked for a partial refund or delay, but they refused, stating the transaction was already " processed. '' This practice feels predatory and may be in violation of the Electronic Fund Transfer Act ( Regulation E ) and UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) under CFPB regulations.

Earnin effectively monitored my bank account, waited for funds to appear, and drained it without regard to my financial survival. I was left with no way to pay basic living expenses. I am requesting a partial refund or a formal investigation into their collection practices, especially after job termination.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have filed a FTC report shortly after realizing fraudulent accounts/items on my FICO credit report. I have uploaded my FTC report, copy of my drivers license and social security card as proof of my identity. I am filing this complaint to request that you place an immediate block on these fraudulent accounts/items in my credit file within 4 days upon receipt of this correspondence.

I have recently reviewed a copy of my credit report and the following accounts/items does not relate to any transactions that I have made ; therefore, I am requesting that these accounts/items be completely REMOVED and BLOCKED from my FICO credit report. This is not a regular dispute, I have filed a complaint with the Federal Trade Commission to document being a victim of Identity Theft.

Please REMOVE and BLOCK this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts/items be deleted and blocked from my credit file : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My card was locked due to an attempt I made to make a purchase on what turned out to be a fraudulent website ( a fake website masquerading as a legitimate clothing site I frequent, advertised on XXXX ). Thankfully, the charge was declined by my credit card company, XXXX Goldman Sachs XXXX GM Card. However, XXXX is refusing to provide me options to unlock my card, or provide me with a new card/credit card number. I have called, and chatted, with them multiple times, and they say they can not send me a text code to verify my request, because my phone number does not fit their " criteria, '' without adequately explaining what this criteria is. They said the phone number which I have had for decades through XXXX XXXX XXXX, a fairly large company we can all agree, is not under my name, or active. I regularly receive texts from XXXX, by the way, verifying my identity, to log on to my XXXX account. They keep telling me to talk to my carrier, and have my information put on the " public record. '' After spending an hour on the phone with XXXX XXXX XXXX, and multiple support employees, no one could figure out what XXXX was talking about. I even updated my mailing and billing address, to make sure everything synced up, but they still refust to verify. They also refust to provide another option for verification - like allowing me to call and verify my information, or sending in a copy of my phone bill. As they are no longer accepting new customers, I can only assume they are trying to force existing customers out by whatever means necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
i have no knowledge of this account. This was open without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  national credit adjusters XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the debt referenced in your recent communication, which appears to be an error. According to the Fair Debt Collection Practices Act, I have the right to dispute any debt that I believe is incorrect or inaccurate. 

The account number in question is [ Account Number ]. I have reviewed my records, and I do not believe I owe the amount you have claimed. [ If applicable, briefly state why you believe the debt is incorrect ( e.g., I have already paid this debt, This is not my account, The amount is inaccurate, etc. ) ]. 

I respectfully request that you provide verification of this debt, as well as documentation showing that I am legally responsible for it. This should include copies of any contracts, agreements, or statements that prove I owe this debt and that your agency has the right to collect it. 

Please note that until this debt is verified, I request that no further collection actions be taken, as outlined in the Fair Debt Collection Practices Act. Additionally, I would appreciate it if you would provide me with any supporting documentation and correspondence related to this matter. 

I look forward to your prompt response and resolution of this issue. Please send any correspondence regarding this matter to the address listed above. 

Thank you for your attention to this matter. 

Sincerely, [ Your Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
Experian has failed multiple times from XXXX to XXXX to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a REASONABLE reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. 
The consumer financial protection bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither correct nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

I re-disputed the information again, because it is still on my account. I'm providing you the most updated reflections of that in the attachments.

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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: PA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : 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 These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2025-04-02 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 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 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 2025-04-02 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: AZ

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: AZ

Complaint narrative:
I have filed a claim with the XXXX  XXXX XXXX on XX/XX/XXXX. Went in for a XXXX XXXX and XXXX XXXX XXXX on XX/XX/XXXX and a wrong diagnoses and incorrect procedure was ordered and preformed ie XXXX XXXX XXXX. The attending doctor XXXX  XXXX XXXX was the one who ordered this incorrect procedure. As one can see in attachment provided that the XXXX XXXX was ordered because they confused my XXXX for my XXXX  therefore thinking that I was confused. The documentation states " Alert and oriented to person, place, timer and situation ''. The documentation clearly shows that they were in error and that I was not confused. I even complained about the additional procedure at the time. Due to their incompetence I feel I should not have to pay any additional fees other than the {$800.00} which I have already paid to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: OH

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX ( Email Address : XXXX ( Phone NumbeXXXX ( XXXX ( FTC XXXX XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX : Identity Theft Dispute under FCRA 605B To Whom It May Concern, I am writing to formally dispute fraudulent information on my credit report under the Fair Credit Reporting Act ( FCRA ) 605B, due to identity theft. The accounts listed below do not belong to me and were fraudulently opened using my personal information. 
I have attached a copy of my Identity Theft Report, as well as supporting documents, including a government-issued ID and proof of address. Pursuant to 605B of the FCRA, I request that you immediately block the fraudulent information from my credit report and take the necessary steps to prevent it from being reinserted in the future. 
The fraudulent accounts in question are as follows : XXXX XXXX XXXX XXXX- open dateXXXX account balanceXXXX account numberXXXX  Dept of edXXXX XXXX XXXX account balance- XXXX account number-XXXX XXXX XXXX XXXX- open dateXXXX account balanceXXXX account number-XXXX XXXX XXXX XXXX XXXX-account numberXXXX open dateXXXX account balance- {$750.00} XXXX account number-XXXX account balance- {$220.00} open date-XXXX Department of educationXXXX-open dateXXXX account balance/XXXX Account number-XXXX Department of education/XXXX- account balance- XXXX open date XX/XX/XXXX Department of education/XXXX account number-XXXX open date- XX/XX/XXXX {$3500.00} Department of education/XXXX account number- XXXX account balance - {$1400.00} open date- XXXX I demand that these Accounts be blocked from my credit report immediately and that any and all inquiries related to these fraudulent accounts be removed as well. 
Under 605B ( c ) of the FCRA, you are required to block the fraudulent information within four business days of receipt of this valid identity theft report. Failure to comply will result in further legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal recourse. 
Please send me written confirmation that these accounts have been blocked and removed from my credit report within the required time frame. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: TX

Complaint narrative:
They are attempting to collect money i dont owe. The original amount was far less.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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:
Randomly a credit card collection appeared on my Transunion report. I disputed it with the Credit Bureau. This has not been removed. I reached out to the creditor reporting advised this was not my account and to remove it. 
No action has been taken by the creditor. 

Creditor : XXXX XXXX XXXX XXXX total amount {$2800.00}

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 non-monetary relief
Consumer complaint received 2025-04-02 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: TX

Complaint narrative:
Randomly a credit card collection appeared on my XXXX report. I disputed it with the Credit Bureau. This has not been removed. I reached out to the creditor reporting advised this was not my account and to remove it. 
No action has been taken by the creditor. 

Creditor : XXXX XXXX XXXX XXXX total amount {$2800.00}

Company response to consumer: Closed with explanation