vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: AL

Complaint narrative:
( NOTE : The Federal Reserve and FDIC says this is not in their domain, so I was pointed to the CFPB. ) Marcus by Goldman Sachs put a complete restriction on my credit card XXXX. I can't use my CC. They have been 'investigating ' something since then. They won't tell my what they are investigating or why the card has been restricted. I have contacted them several times, talking over the phone and via chat but can't get a straight answer when it will be resolved. 

At first they said up to 7 days to finish the investigation, but that window is gone, and now ( XXXX ) they are telling me it could be -another 10 days-. The investigation is being done by some 'back office ' that no one has communication with- it is like a black hole my case was sent to. They are calling phone numbers I never authorized them to call ( not the phone # in my account profile ). It seems every time I contact them ( always a 'security supervisor ' ) to see what is going on they want to create a new case! 

I need to pay bills and make new purchases. My subscription charges are being declined. My life has been put on hold for an unknown reason for an unknown amount of time, being held hostage w/o cause.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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:
PLEASE HELP ME BECAUSE I AM A VICTIM OF XXXX XXXX XXXX. THERE ARE MULTIPLE ACCOUNTS REPORTING ON MY CREDIT FILE FRAUDULENTLY THAT ARE RUINING MY LIFE RIGHT NOW. I HAVE REPORTED THESE ACCOUNT PLEASE HELP ME REMOVE THOSE. I HAVE UPLOADED ALL SUPPORTING DOCUMENTS FOR YOU GUYS.

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 2025-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Voss & Klein, LLC
State: NJ

Complaint narrative:
I recently reviewed my credit reports and was shocked to find a collection account from Voss & Klein for what is purported to be a medical debt. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. This includes the XXXX letter that is required to notify a consumer of a collection. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-18 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: OK

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX 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 AND TRAFFICKING. 

Account Name 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 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 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume 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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I opened a credit card with Capital One account # XXXX in XXXX XXXX XXXX. The account is not accurately reporting the months reported correctly. they did not report the account for the month of XXXX which effects my score and length of time on the account which I need this to be accurate as im purchasing a home and have to have this reporting for a certain amount of months before approval. Please update the the reported months which should include the months of XX/XX/year> ; XX/XX/year>, XX/XX/year>, and now XX/XX/year>. Please provide the written resolution of this complaint and update this information on all XXXX bureaus immediately so I can close on my home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint Against Equifax for Ongoing Credit File Mixing and Non-Compliance with FCRA Dear CFPB, I am writing to file a formal complaint against Equifax concerning persistent inaccuracies in my credit report due to the mixing of my credit file with another individual sharing my name. Despite Equifax 's acknowledgment of this error, the issue remains unresolved for several months. 
Details of the Issue : Credit File Mixing : Equifax has admitted to erroneously combining my credit information with that of another individual named XXXX XXXX. 
Lack of Resolution : Despite multiple communications, Equifax has failed to correct this issue.

Systemic Failures : Each time I contact Equifax, I am informed that their systems are down, preventing any assistance. This consistent response raises concerns about potential undisclosed breaches or systemic issues within the company. 
Unhelpful Customer Service : On my most recent call, I spoke with a representative named Diqsha ( Employee ID : XXXX ), who was unable to assist me in obtaining my online credit report due to system outages. 
Violations of the Fair Credit Reporting Act ( FCRA ) : Equifax 's actions appear to violate several provisions of the FCRA : 15 U.S.C. 1681e ( b ) : Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Mandates that consumer reporting agencies conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file within 30 days of receiving notice of the dispute. 

Requested Resolution : I respectfully request that the CFPB : Investigate Equifax 's failure to correct the inaccuracies in my credit report. 
XXXX Ensure that Equifax complies with FCRA requirements to maintain accurate credit information. 
Mandate that Equifax provides me with an accurate and updated credit report promptly. 
Take appropriate enforcement action against Equifax for any confirmed violations of the FCRA. 
I am prepared to provide any additional information or documentation required to support this complaint. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume 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 2025-04-18 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: FL

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
bXXXX XXXX XXXX, MS XXXXXXXX\nEmail: XXXX\nDate: XXXX XXXX XXXXn\nTo:\nXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX\n\nXXXX XXXX XXXX XXXX PA XXXX\n\nXXXX XXXX XXXX, TX XXXX\n\nSubject: Formal Dispute of Inaccurate, Outdated, and Unauthorized Information\nReport Confirmation #: XXXX\n\nDear Dispute Department,\n\nI am writing to formally dispute several items on my credit report in accordance with my rights under the Fair Credit Reporting Act (FCRA). I am requesting a reinvestigation and correction or removal of the following accounts, student loan inaccuracies, and unauthorized hard inquiries:\n\nDisputed Accounts\nXXXX XXXX XXXXAcct Ending in XXXX\n\nStatus: Charge-off\n\nIssue: Previously disputed; remains inaccurately reported.\n\nXXXX XXXX (Acct Ending in XXXX)\n\nStatus: Charge-off\n\nIssue: Outdated balance and delinquency history.\n\nXXXX XXXX XXXX (Acct Ending in XXXX)\n\nIssue: Conflicting balance and charge-off information.\n\nXXXX XXXX (Acct Ending in XXXX\n\nIssue: Negative status with no updated activity; accuracy in question.\n\nXXXX XXXX (XXXX XXXX)\n\nAccounts Ending in: XXXX XXXX XXXX XXXX\n\nIssue: Closed/paid but still listing 90-150 day delinquencies from XXXX These entries are outdated and misleading.\n\nDept of Ed / Aidvantage\n\nAccounts Ending inXXXX XXXX XXXX\n\nIssue: Deferred loans still showing residual dispute remarks. These are no longer applicable and should be removed.\n\nHard Inquiry Disputes\nMy credit report lists 78 hard inquiries, several of which I did not authorize. I request deletion of any inquiries that cannot be verified with proper consent documentation.\n\nExamples of unauthorized inquiries include, but are not limited to:\n\nXXXX XXXX, Inc XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX\n\nXXXX XXXX XXXX XXXX and XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXXn\nUnknown XXXX XXXX XXXX and XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX XXXX XXXX\n\nClosing Statement\nIn compliance with the FCRA, I request a full investigation of the items listed above. If the accounts or inquiries cannot be verified within 30 days, they must be deleted or corrected. Enclosed are copies of the relevant pages from my credit report highlighting the disputed items.\n\nThank you for your prompt attention to this matter. Please respond in writing with the results of your investigation.\n\nSincerely,\nXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: 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 explanation
Consumer complaint received 2025-04-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There is a credit inquiry from captain one that I never applied for. I have no idea who used my information to apply for a credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
I previously reached out to XXXX XXXX XXXX and reached an agreement that, upon full payment of the account, the collection would be DELETED from all three credit bureausExperian, XXXX, and XXXX. The account has been paid in full ; however, it is still being reported on my credit file.

I have received written confirmation via email stating the agreement for deletion upon payment. Please advise on the next steps to ensure this account is removed from my credit report as agreed.

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 2025-04-18 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: CA

Complaint narrative:
I previously reached out to XXXX XXXX XXXX and reached an agreement that, upon full payment of the account, the collection would be DELETED from all three credit bureausXXXX, XXXX, and Equifax. The account has been paid in full ; however, it is still being reported on my credit file.

I have received written confirmation via email stating the agreement for deletion upon payment. Please advise on the next steps to ensure this account is removed from my credit report as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-04-18 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: MD

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 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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im honestly overwhelmed and frustrated. Ive disputed these accounts with Experian multiple times, and they eventually confirmed in writing that the accounts were deleted. But now, after checking my credit report again, I found that several of those same accounts have been reinsertedwithout any notice, explanation, or my permission. This is unacceptable. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), Experian is required to notify me in writing within 5 business days when a deleted item is reinserted. That never happened. This also violates 15 U.S.C. 1681e ( b ), which requires the reporting of only accurate and verified information, and 15 U.S.C. 1681b, because I never authorized the reinsertion of these accounts. XXXX XXXX XXXX have already permanently removed these accounts from their reports and have not reinserted them. Experian is the only bureau continuing to mishandle my file. Ive had to use my own money just to monitor these updates through credit monitoring services like XXXX, and I shouldnt have to catch their mistakes myself. This entire process is emotionally exhausting. These constant reinsertions are not only damaging to my credit but are also a clear sign of willful and negligent noncompliance. Im asking the CFPB to step in. I want all reinserted accounts permanently deleted from my Experian report, a full explanation of how and why they were added back, and for Experian to be held accountable under 15 U.S.C. 1681n and 1681o.

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