vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 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: NV

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Current Address XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Current Address XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, NV XXXX XX/XX/XXXX Current Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX Previous Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Collection/Charged Off XXXX XXXX XXXXXXXX XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$5500.00} XXXX XXXX XX/XX/XXXX {$7900.00} XXXX XXXX  XXXX XX/XX/XXXX {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$140.00} XXXX  XXXX ( XXXX XXXX : XXXX XXXX XXXX A ) XXXX XX/XX/XXXX {$7900.00} XXXX  XXXX XXXX XX/XX/XXXX {$6200.00} Late Payment XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX VERIFY XX/XX/XXXX Experian

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 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc

Complaint narrative:
My account with Chime bank was closed without any prior notice or communication on XXXX. The bank account still had {$110.00} at the time of closure. 
I have been in contact with the customer service many times and they are saying they don't have the money even if I reopen the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit reporting agency block information appearing on my consumer credit report that is the result of identity Theft and Fraud within XXXX business days of you receiving this complaint. This fraudulent inaccurate and false information consist of Finance account opened at XXXX on XXXX XXXX for the amount {$18000.00}. A loan opened at XXXX XXXX XXXX on XXXX XXXX for the amount of XXXX. A personal credit card opened at XXXX on XXXX XXXX for the amount of {$11000.00}. A personal credit card opened at XXXX XXXX on XXXX XXXX for the amount of {$1100.00}. A personal loan opened at XXXX XXXX on XX/XX/XXXX, for the amount of {$1000.00}. A personal credit card at XXXX XXXX opened XX/XX/XXXX, for amount of {$500.00}. A hard inquiry for XXXX XXXX XXXX XXXX, and XX/XX/XXXX. A hard inquiry for XXXX XXXX XX/XX/XXXX. A hard inquiry for XXXX XXXX XXXX XX/XX/XXXX. A hard inquiry for XXXX XXXX XX/XX/XXXX. A hard inquiry for XXXX XXXX XXXX XXXX. A hard inquiry for XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commision that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of Identity Theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: NY

Complaint narrative:
I have paid the account to zero balance on XXXX. The same day the statement came out. I reached out to the card company since they did not accurately reflect the correct information on the credit report. They said the balance would reflect zero balance and would be updated by the end of XXXX XXXX As of today they are reporting I have increased my use of credit from {$370.00} to {$410.00} when this entire time I have a zero balance and a credit for overpayment of {$4.00}. I have disputed this with the credit report agency and the credit card company again confirmed the incorrect information as accurate. I have balance statements and live app information to confirm my information is a zero balance but neither the card company nor the credit report company will update to reflect the accurate information and continue to reflect the fraudulent reporting information.

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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of XXXX XXXX  and please block within XXXX business days pursuant to section 605 c credit act

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 2025-01-01 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: GA

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 anguish 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 2025-01-01 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: UT

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1300.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$1200.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$520.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$1200.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2025-01-01 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: UT

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1300.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1200.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$520.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$1200.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian

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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My XXXX, it was breached a line across multiple platforms and Ive tried to dispute multiple things on all three credit reports, and they tell me that they are not going to delete any of my information and due to the law 15 usc1681 rights to privacy. These things are not mine. I have disputed and disputed and nothing comes of it. I need these items deleted off my credit report. There are multiple credit inquiries not mine and charge offs and what not. We need to take care of this asap please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My XXXX, it was breached a line across multiple platforms and Ive tried to dispute multiple things on all three credit reports, and they tell me that they are not going to delete any of my information and due to the law 15 usc1681 rights to privacy. These things are not mine. I have disputed and disputed and nothing comes of it. I need these items deleted off my credit report. There are multiple credit inquiries not mine and charge offs and what not. We need to take care of this asap please. Thank you.

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 2025-01-01 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: LA

Complaint narrative:
Account # XXXX This account was reported as a collection/charge-off is negatively affecting my credit score. The reporting of this account is incorrect as it still shows a balance after it was charged off. I urge your agency to reinvestigate and provide all the missing information. Also, please explain why there is a past due balance reporting ( XX/XX/year> ) while the report shows as a charge-off? I am sure you aware that this is a violation I demand the immediate deletion of this account to ensure your agency is reporting only complete and accurate information on my account.

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 2025-01-01 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: FL

Complaint narrative:
THIS COMPANY OPENED FRAUDULENT CREDIT ACCOUNT IN MY NAME. I AM NOT ASSOCIATED WITH THE CREDIT ACCOUNTS NOR HAVE I DONE BUSINESS WITH THIS COMPANY. THIS COMPANY IS ILLEGALLY REPORTING NEGATIVE, FRAUDULENT INFORMATION TO MY CREDIT REPORTS. THIS COMPANY MUST REMOVE THESE NEGATIVE ACCOUNTS FROM MY CREDIT REPORTS IMMEDIATELY.

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 2025-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Dear Sir/Madam : I am writing in regard to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt that you claim I owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: MD

Complaint narrative:
Its unbelievable how these unauthorized accounts are still showing up on my credit report, continuing to hurt my score. The impact on my life and opportunities has been severe, and Im done waiting for it to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation
State: IL

Complaint narrative:
Was sold to an agency and the issue was resolved and removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Account number # XXXX Subject : Request for Account XXXX Dear American Express I hope this letter finds you well. I am writing to request specific information regarding my account with your organization, which has been charged off. 

Please note that I am not disputing the validity of this charge-off ; rather, I am seeking clarification on the following dates pertaining to my account : 1. Date of First Delinquency 2. Date of Last Activity 3. Date Charged Off This information is important for my records and for any future financial planning. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX we are going to

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I had money in my account and then navy federal sent a alert saying I had XXXX returned check fee that equaled XXXX dollars but then my account was overdraft XXXX dollars when I contacted support she said that was left after pending transactions which doesnt make sense bc I was paid XXXX  days earlier.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
My American Express card has been completely unusable for any transactions. It doesn't work for in-store purchases at retailers like XXXX, leaving me unable to make even basic purchases. Online purchases are also declined, regardless of the website or the amount. Adding the card to digital wallets like XXXX XXXX or XXXX XXXX has failed repeatedly, making mobile transactions impossible. Additionally, I cant even load my XXXX balance using the card, which further limits my ability to shop online.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Ashley has been charging me a " paper statement '' fee of {$1.00} since XX/XX/XXXX- XX/XX/XXXX. The problem is that I have had paperless statements since XXXX. Of note, I started receiving a paper statement in mail in XX/XX/XXXX, which is when the fee started Ashley decided to charge the fee. This is FRAUD. Ashley started sending me a paper statement so that they could charge the paper statement fee, despite me having paperless statements since XXXX. My concern is that they are likely doing this to thousands if not millions of customers and those customers, might not notice the fee. So, Ashley will be free to defraud their customers. {$1.00} does not sound like a lot but if a company makes a conscious effort to defraud millions of customers, then it adds up.

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 monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
There's an account with my information, I did not open this account! I never made any payments on this account! I need this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Goldman Sachs has a {$5000.00} XXXX card open for me. I used it in 2022 to buy a XXXX. I planned to use it over the past few days to buy another. Their website XXXX says that I have XXXX balance. Their offer is for XXXX XXXX  financing for XXXX  months. On my XXXX -- " settings '' also says that there is XXXX balance. I keep getting messages on the XXXX stating that the XXXX XXXX is ready to use. 

I tried to purchase the XXXX with the XXXX XXXX for a few days. Each time, I called Goldman Sachs and they said that I have XXXX balance and {$5000.00} available. It turns out that this is a lie and a false offering of credit -- while they keep {$5000.00} open on my credit report. 

Successive call center agents said that I was doing it wrong, and had me re-attempt and re-attempt. Several said I need to check the " wallet '' app on my XXXX devices. I explained that it is a lie -- there is no " wallet '' app on XXXX or XXXX -- the only apple devices we own. I wasted hours on gaslighting by their call center reps. 

Finally last night, they admitted that the matter was escalated to an unnamed department that I can not speak with. they said Goldman Sachs would send a message to my XXXX when the issue is resolved and I can make my purchase. I received the message on the XXXX this morning, and re-attempted. XXXX failed. 

I called the call center and they told me everything is fine, and had me re-attempt. It failed. 

It is not my first problem with Goldman Sachs apple card -- who also falsely charged me {$50.00} for an XXXX accessory that I bought in the XXXX XXXX in XXXX XXXX using my own credit card -- not XXXX  card. 

I earned, according to the statements, {$200.00} of credit. But they are keeping it and there is no way for me to receive it since, I guess, they turned off the XXXX  card. 

The whole thing is lies -- and the call center agents waste hours of my time, defending the Goldman Sachs XXXX about XXXX XXXX  financing for XXXX  months. 

Please take action against Goldman Sachs. I don't need money from them, I don't need service. I just need you to make them stop lying or shut down the fake apple card service. 

DO NOT TELL THEM TO SHUT MY ACCOUNT -- THAT WILL HURT MY XXXX XXXX.

Company response to consumer: Closed with explanation