vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
First issue : My Goldman Sachs Apple Card was closed without reasoning, after a lengthy wait time. I requested why it was closed and they would not specific a reason, only that I violated the terms and conditions although I disagree. I always paid my balance off, in a timely manner and never missed a payment. 
I did not have any issues besides disputes ( XXXX XXXX XXXX XXXX XXXX XXXX promised me a refund since poor service/stay/bedbugs but this was never reflected so I opened a dispute and it still has been denied, for a year now ). I asked them what terms and conditions I violated and they refused to tell me and reported it to the credit bureaus and now my credit report looks bad. 


Second issue : Also, I have ongoing disputes that I was supposed to be credited for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) yet they keep denying them and I was promised temporary credits while they are re-investigated but never received the credits. My account balance should only be {$1200.00} yet it shows $ XXXX. I asked for a payment plan or to settle on a balance to pay off and they keep declining, stating that I am not eligible with a closed account. Also, interest keeps accumulating, even on the pending disputed transactions. Every time I reach out to customer service through their messaging platform, they take forever to respond and by the time I get to them, they have ended the chat. Also, they repeatedly transfer me to different customer service specialists and teams so I have to explain the situation all over again and not much gets resolved or there is a lack of understanding. When I call them, I am on hold for nearly XXXX hours and the calls always seem to drop. Specifically for the XXXX XXXX XXXX XXXX, I spoke to a customer representative as she believed my dispute should have been in my favor with all of the provided evidence but after 2 hours of being on the phone ; the call dropped and I still have the charges on my account. It is hard to even get help from this company, Goldman Sacks for their Apple Card. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, I have been living in the United States for more than 2 years now. I am facing issues with my Credit File Report On XXXX. I am writing this because I have concerns regarding my credit history report with XXXX. I can not access and find my credit history even though I have been in the US for over two years. I spoke with their customer service multiple times in the past four months, and there was no help provided. I am still facing this issue today even after sending the documents requested five times. I have a credit card, and bank account, with a good credit history with multiple organizations like XXXX XXXX XXXX XXXX XXXX XXXX Please go through my complaint and let me know what's needed to update my credit history I am unable to apply for a new credit card and other benefits because of improper information in my credit history.

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 2025-01-28 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: NCB Management Services Inc.
State: FL

Complaint narrative:
15 U.S. Code 1681o outlines the civil liabilities for negligent noncompliance under the Fair Credit Reporting Act ( FCRA ). Specifically, it states that any person who negligently fails to comply with any requirement imposed under the FCRA with respect to a consumer is liable to that consumer for : 1. Actual Damages : The consumer can recover any actual damages sustained as a result of the failure.

2. Legal Costs : In the case of a successful action to enforce liability, the consumer is entitled to the costs of the action, including reasonable attorneys fees as determined by the court.

Additionally, if the court finds that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, it shall award the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 

This provision ensures that consumers have a means to seek redress for negligent violations of their rights under the FCRA, while also discouraging frivolous or bad-faith litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
15 U.S. Code 1681o outlines the civil liabilities for negligent noncompliance under the Fair Credit Reporting Act ( FCRA ). Specifically, it states that any person who negligently fails to comply with any requirement imposed under the FCRA with respect to a consumer is liable to that consumer for : 1. Actual Damages : The consumer can recover any actual damages sustained as a result of the failure.

2. Legal Costs : In the case of a successful action to enforce liability, the consumer is entitled to the costs of the action, including reasonable attorneys fees as determined by the court. 

Additionally, if the court finds that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, it shall award the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 

This provision ensures that consumers have a means to seek redress for negligent violations of their rights under the FCRA, while also discouraging frivolous or bad-faith litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting 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 explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Ive reached out to Chexsystems regarding inaccurate information that's being reported to my file. I tried to dispute the information and upload it to the portal. Chexsystem refuse to allow me to dispute information. I've called and reached out several times and got the run around. Also inclosed is proof that Chexsystem website wont allow me to upload a dispute. The following inquiries are fraudulent : 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

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 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a Wells Fargo notification stating that a transaction using my debit card ( ending in XXXX ) was declined due to a system issue : Transaction Amount : {$500.00} USD Location : XXXX XXXX XXXX, XXXX, CA XXXX : XX/XX/XXXX, XXXX PM ( US/Pacific ) XXXX after XXXX I received another notification for a declined transaction at XXXX XXXX  from the same location, same amount and also declined. 

When I logged into the Wells Fargo app, I noticed an unauthorized transaction of {$2000.00} had been withdrawn from my savings account on XX/XX/XXXX, with XXXX listed as the transaction locationmatching the declined transactions. 

I immediately turned off my card through the app, contacted Wells Fargo to cancel the card, and was issued a replacement. A claim was filed for the unauthorized transaction that same day. 

During the claims process, I followed up multiple times for updates. However, on XX/XX/XXXX, I was informed that my claim was denied without any explanation. When I called back on XX/XX/XXXX, a representative stated that the claim would remain denied and further actionsuch as filing a police reportwould not lead to reconsideration. 

I am extremely concerned about this outcome, as I took immediate action to report the unauthorized transaction and have been proactive in resolving this issue.

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 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-28 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: NY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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/year> Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-01-29 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: MA

Complaint narrative:
I came across the CFPB Experian lawsuit. 
I feel i was negatively impacted, hurting my chances at credit repair receiving a response to my earlier dispute that the accounts were " verified '' Come with the receipts, or be quick to delete

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I am writing to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have requested several validations and they have not sent the requested information. Also- they are not licensed to collect any debt in my state, so what they are doing is completely illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NY

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 explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Re : Charge-Off Notice for Account [ XXXX ] Dear [ LVNV Funding LLC ], I am writing to formally request the charge-off for the above-referenced account in accordance with the applicable provisions of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, in relation to the account I hold with your company. 
This account, originally opened on [ XX/XX/25 ], has an outstanding balance of $ [ XXXX ]. I acknowledge that the account was not paid in full as agreed ; however, I am requesting that your company officially report the account as " charged off '' to the credit reporting agencies, as is your legal right under 26 U.S.C. 166. The charge-off will provide an accurate and timely reflection of the account 's status on my credit file.

In accordance with the guidelines established by the Internal Revenue Service, I would also like to request the issuance of a 1099-C form, per 26 U.S.C. 6050P, to report the forgiven debt as income if it qualifies under the applicable threshold.

I understand that once an account is charged off, it remains on my credit report for up to seven years from the original delinquency date, as outlined in the Fair Credit Reporting Act ( FCRA ). As such, I respectfully ask for the account to be updated to reflect its correct status and for further collection activity to cease, in alignment with FDCPA guidelines. 
Please provide written confirmation once the charge-off has been processed or if any further documentation or action is required from my end. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution to this issue. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Lenders are not able to pull my Equifax report. Multiple have tried. And they all get a pop up saying information from your inquiry has identified by the consumer as fraudulent and therefore credit report is not available. I have tried calling with no answer. I have submitted all documentation online at least twice to have my last name changed from my old last name to my new last name thinking that may be the issue. Nothing has been taken care of or corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NJ

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify + consumers of dispute outcomes.These failures align with my experience, where XXXX has neither corrected nor removed disputed items disputed the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inactions violate federal law and my rights as a consumer.

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 2025-01-29 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:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify + consumers of dispute outcomes.These failures align with my experience, where XXXX has neither corrected nor removed disputed items disputed the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inactions violate federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief