vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 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: NJ

Complaint narrative:
Formal dispute regarding inaccurate information on my credit report I am writing to dispute inaccurate information on my report that is harming my financial situation. I am aware of my rights under the Fair Credit reporting act and requesting a thorough investigation into these inaccuracies as required by federal law CFPB recently filed a lawsuit against Experian for its failure to properly investigate consumer complaints, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly Reinserting previously disputed and inaccurate information without explanation Failure to notify consumers about investigations results effectively

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
I purchased an XXXX at XXXX XXXX AFTER being told I could have interest free financing. Now Ive been fighting for months with them because they keep trying to take the entire balance at once. The option for the installment financing even popped up on the card reader. Now they are telling me that the promotional installments are only for purchases directly from Apple. Customer service doesnt care. Even when I told them I know they are already in trouble for this exact issue, the Goldman Sachs employees told me I misunderstood and they refused to fix it. Now my house payment is going to bounce. This was a {$1900.00} purchase I would NOT have made without getting installment payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/year> Online Collections XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX Subject : Debt Validation Request Pursuant to the FDCPA Dear Online Collections, I am writing to formally request validation of the debt that your company is attempting to collect from me. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to receive full verification of this alleged debt before I take any further action.

Please provide the following documentation to validate this debt : 1. Proof of Assignment A copy of the original agreement that legally transfers this debt to your agency.

2. Original Creditor Information The name and contact details of the original creditor, including account details.

3. Complete Payment History A full breakdown of how the amount was calculated, including principal, interest, fees, and any additional charges. 
4. Legal Right to Collect Documentation proving your legal authorization to collect this debt on behalf of the original creditor.

5. Signature Verification A copy of any agreement with my signature that proves I am legally obligated to pay.

6. Statute of Limitations Documentation proving the debt is within the legal timeframe for collection.

If you are unable to provide all the requested validation within 30 days, you must immediately cease collection efforts and remove this account from my credit reports as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
Additionally, any further reporting of an unverified debt to the credit bureaus is a direct violation of the FCRA and FDCPA, and I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 
Please consider this a formal dispute of the validity of this debt. I expect a response in writing within the legally required timeframe. Online Collections account number- XXXX. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: FL

Complaint narrative:
To Whom It May Concern, I am formally disputing an inaccurate account that appears on my credit report with TransUnion and Equifax but is not listed on XXXX. The account in question is : Creditor Name ( s ) : [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : [ XXXX, XXXX ] Reported Balance : [ XXXX, XXXX ] Reason for Dispute : Incorrect/Unverified Account I have no knowledge or record of ever opening this account and request immediate verification per the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). Please provide the following : 1. A copy of the original signed application proving I opened this account.

2. A full payment history and breakdown of charges.

3. Any supporting documentation verifying my consent to be responsible for this debt. 

If you can not provide proper documentation within 30 days, this account must be deleted from my credit file immediately as required by FCRA regulations. 

Additionally, because this account is not reported on XXXX, its presence on my TransUnion and Equifax reports raises concerns about inconsistent reporting and potential inaccuracies in your data. 

I request a written response confirming your findings and the actions taken. If the account is not properly validated or removed, I am prepared to escalate this issue with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 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 2025-03-02 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: FL

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 explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX ( XXXX ) XXXX XXXX XX/XX/year> Credit Collections Services XXXX XXXX XXXX XXXX, MA, XXXX Re : Request for Debt Validation and Assignment Contact Dear Credit Collection Services, I am writing in response to your recent communication regarding the debt referenced in your letter, account number beginning in XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you validate the debt, including a full breakdown of the amount owed, and provide me with the name and contact information of the original creditor or any party to whom the debt has been assigned or transferred. 

As part of my right to dispute and request verification of the debt, I respectfully ask that you provide the following information : 1. The amount of the debt.

2. The name of the original creditor and their contact information.

3. Proof that you are authorized to collect the debt on behalf of the original creditor, including the assignment or transfer documentation.

4. A copy of any written agreement or contract indicating my responsibility for the debt.

5. A complete history of any payments made towards the debt. 

Please be advised that I expect your response within 30 days from the receipt of this letter, as required by law. During this time, please cease any further collection efforts until this matter is resolved. If you are unable to provide the requested information, I ask that you cease collection activities and remove this account from my credit report. 

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

Sincerely, XXXX XXXX XXXX

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 2025-03-02 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: National Credit Adjusters, LLC
State: WI

Complaint narrative:
I have a collections that is beyond the statute of limitations. I have an email from the creditor stating such. The credit beareau has ignored 3 disputes. I have tried to send the email but they ignore it, I get no response. The email states the debt is too old to sue me. And in my state the limitation is 6 years to sue AND collect. So if you can't sue me, you can no longer collect. It should be removed as an active debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have recently disputed these charge off accounts XXXXXXXX XXXX XXXX  with account # XXXX opened on XX/XX/year>XXXX  XXXX XXXX XXXX XXXX account with account # XXXX opened on XX/XX/year> and XXXX XXXX  Account number XXXX with the agency in this complaint and not they are allowing the company to misrepresent my credit report by adding late payment history to damage my credit report and worthiness. I will have evidence that these claims were not on my report in the pass only since I have disputed the information reported to Equifax. I know Equifax has been part of a lawsuit with the CFPB for the agencys sham investigations, so I the consumer is asking Equifax to do a therol investigation with documentation showing they are reporting reasonable information. 

* Reporting After Sale : \nOnce the debt is sold, the original creditor no longer has the right to collect the debt or report any late payments on the account. The new owner, the debt collection agency, is responsible for reporting the debt and any related activity, including late paymentsXXXX  * Inaccurate Reporting : XXXX the original creditor continues to report late payments on a charged-off account after selling the debt, this is considered inaccurate reporting and should be disputed. 

According to 15 U.S. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13 these codes pertain to consumer credit and Fair Credit Reporting Act ( FCRA ) regulations, specifically : 15 U.S. Code 1681 ( 2Xi ) addresses consumer reporting agency reinvestigation, 15 U.S. Code 1666b deals with open-end credit billing errors, and 12 CFR 1026.13 outlines billing error resolution procedures. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Please provide the XXXX for this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have recently disputed these charge off accounts XXXXXXXX XXXX XXXX  with account # XXXX opened on XX/XX/year>XXXX  XXXX XXXX XXXX XXXX account with account # XXXX opened on XX/XX/year> and XXXX XXXX  Account number XXXX with the agency in this complaint and not they are allowing the company to misrepresent my credit report by adding late payment history to damage my credit report and worthiness. I will have evidence that these claims were not on my report in the pass only since I have disputed the information reported to Equifax. I know Equifax has been part of a lawsuit with the CFPB for the agencys sham investigations, so I the consumer is asking Equifax to do a therol investigation with documentation showing they are reporting reasonable information. 

* Reporting After Sale : \nOnce the debt is sold, the original creditor no longer has the right to collect the debt or report any late payments on the account. The new owner, the debt collection agency, is responsible for reporting the debt and any related activity, including late paymentsXXXX  * Inaccurate Reporting : XXXX the original creditor continues to report late payments on a charged-off account after selling the debt, this is considered inaccurate reporting and should be disputed. 

According to 15 U.S. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13 these codes pertain to consumer credit and Fair Credit Reporting Act ( FCRA ) regulations, specifically : 15 U.S. Code 1681 ( 2Xi ) addresses consumer reporting agency reinvestigation, 15 U.S. Code 1666b deals with open-end credit billing errors, and 12 CFR 1026.13 outlines billing error resolution procedures. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Please provide the XXXX for this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: NC

Complaint narrative:
There were discrepancies in my credit report, including high credit, scheduled payments, account history, balance, and past due amounts. These inconsistencies need to be reviewed and corrected to ensure accurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against [ Credit Bureau Name ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ).

On [ Date of Credit Report ], I discovered discrepancies in the following account ( s ) : Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Under Section XXXX of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

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 2025-03-02 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/year>, I was victim of a scam in which scammers spoofed USAAs number, pretended to be your representatives, and convinced me to send {$990.00} via XXXX. Ultimately, an investigation was carried. On XX/XX/XXXX, I was told that I was found liable, yet USAA would make every attempt to retrieve the funds through working with your trusted third-party, XXXX. 
As I did not receive any further documentation or notification, I called the XXXX department on XX/XX/XXXX and was told that there actually had been no request/communication sent to XXXX to even attempt to retrieve my funds. However, I was assured during the call with the Fraud department that they would send a request to XXXX for a return of the funds. 
After not hearing anything I reached out again on XX/XX/XXXX. This time I was met with a condescending representative who first gave the impression like she could not be bothered to look up the details of my case, then could not confirm if a request was sent to XXXX but assured me that one would have been sent in XXXX. As this exchange was extremely unprofessional I requested a complaint be filed regarding this interaction and my case. I also requested a manager call back. 
I missed a call from the manager within the Fraud department on XX/XX/XXXX at XXXX ET as that is not usual business hours for me. This XXXX left a very short message with no call back number or extension. After multiple attempts to reach this manager I was ultimately connected to a member of the Member Resolution Team, XXXX, on XX/XX/XXXX. After spending ~1 hour on the phone with him discussing the situation, he stated that I was approved back in XXXX to have these funds put back into my account. He stated he followed up on this and I should expect to see the money back in my account in XXXX business days. 
After not seeing the money back in my account, I reached out to another member of your Member Resolution Team on XX/XX/XXXX. I was then told that the only notes from XXXX stated that he sent a message back to the Fraud team to review this case and no mention of the funds being approved to be returned to my account. She also stated that there was nothing more to be done as she was the highest person I could speak to. She then suggested I write this letter as the fastest way for my complaint to be heard. 
Ultimately, I have been misled and misinformed by multiple USAA personnel across XXXX departments. I no longer have confidence in USAA as an institution working in by best interest given the back and forth Ive experienced over the past number of weeks.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to request an update to my personal information as reported in my credit file. I recently obtained a copy of my credit report and discovered that some of my personal information is inaccurate or outdated. As per my rights under the FCRA, I request that you investigate this matter and make the necessary corrections within 30 days. 
Below are the details of the incorrect or outdated information : Incorrect Address : My current residential address is XXXX XXXX XXXX, XXXX, PR XXXX, yet my credit report still lists an outdated address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PR XXXX Since outdated addresses can lead to identity verification issues and potential fraud risks, I formally request that my current address be updated immediately. 
Supporting Documentation : I have enclosed the following supporting documents to verify the accuracy of my information : A copy of my drivers license or passport displaying my correct legal name. 
A recent utility bill or bank statement showing my current address. 
Legal Basis and Request for Confirmation : Under FCRA 15 U.S.C. 1681i, Equifax is required to investigate and correct inaccurate information within 30 days of receiving this dispute. Therefore, I formally request written confirmation once the corrections have been made, along with an updated copy of my credit report reflecting these changes. 
If this matter is not resolved within the legally mandated timeframe, I reserve the right to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and take further legal action if necessary. 
Thank you for your prompt attention to this matter. I look forward to your written confirmation.

Company response to consumer: Closed with non-monetary relief