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

Complaint narrative:
I am resending this complaint to EXPERIAN regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 
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 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 2025-04-04 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-04-04 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 2025-04-04 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 explanation
Consumer complaint received 2025-04-04 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-04 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-04 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: VA

Complaint narrative:
To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Verification and Time-Stamped Proof of Late Payments FCRA Compliance To Whom It May Concern, This letter is in response to your conclusion regarding my recent dispute filed via the CFPB portal concerning XXXX XXXXXXXX. I respectfully request that you provide : The method of verification used to validate the reported late payment ( s ), The name and contact information of the entity or data furnisher who verified the information, and A timestamped copy of the original creditors payment record that proves when the alleged late payments occurred. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to full disclosure of the procedures used in any reinvestigation. If you can not provide documentation with verifiable timestamps, I ask that this inaccurate late payment history be removed from my credit report.

Please consider this a formal request under FCRA Section 611 for method of verification and documentation.

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

Complaint narrative:
Sent Dispute Letters on XX/XX/year> and Experian has failed to provide Sufficient documents/proof of Accuracies on the disputes.

Accounts came back as verified As required under section 609 of the FCRA.

Sufficient documentation must be provided or disputed accounts must be deleted

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 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Friedman, Framme & Thrush, P.A.
State: VA

Complaint narrative:
None of your website options are valid for this type of consumer protection - unless all you do- is protect people from banks, credit unions, & financial institutions. This is against a scamming fraudulent law firm called Friedman , Framme , & Thrush, located at XXXX XXXX XXXX, XXXX XXXX #, XXXX, Virginia { VA }, XXXX. XXXX. It is running a ponzi scheme under the Umbrella of Pre-paid legal ( now legalshield )- with many frauds & scams- but the only one that applies to this is - their fake and false XXXX XXXX benefits scam- they boast that for a membership fee of {$29.00} they will give you one Free complimentary letter/phone/etc./etc. -and they passed it off between three lawyers named XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX who all promised to do it ( if I did other work myself first ) -and then came up with all these different ( wide array of ) excuses as to why they couldn't/would n't do it -but wanted to keep my money ( membership fee ) and wouldn't refund it. ( I wish I had recorded the conversations but it's too late for that now ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. 
Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX {$10000.00} Date Opened : XX/XX/year> Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt.

Ceaseanddesistasap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank closed my Amazon credit card account on XX/XX/2025, citing dishonored payments. However, I have never missed or been late on a single payment, and my XXXX credit report reflects a perfect history for the life of the account. 

Synchronys letter gives no dates or proof of these alleged dishonored payments. My records including screenshots from XXXX and bank statements show all payments were made on time. I was not given a warning or opportunity to respond before the account was closed. 

This account closure is now damaging my credit score and does not reflect my responsible credit behavior. I am asking Synchrony Bank to correct the record and/or provide detailed documentation of the alleged dishonored payments. 

I also request that the CFPB investigate whether this was a wrongful closure and ensure my consumer rights are protected.

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 2025-04-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Tried using American Express gift card at multiple retailers and with XXXX XXXX. The card was only accepted at two places. The card was {$2500.00} in the beginning and I do not want to spend all of the card at the two restaurants that accept it. There is I tried calling American Express Gift Card on two different customer service numbers and could not reach a human operator. When I tried to add the card to my XXXX Wallet the app told me to contact the card company to find out why it wouldn't work, but I am not able to reach anyone at American Express XXXX XXXX services. 

Others have had similar issues with American Express gift cards according to posts online. 

Balance & Transactions Balance Summary XXXX Thru XXXX Value $ XXXX Transactions $ XXXX $ XXXX $ XXXX Balance {$2200.00} Transactions 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 XXXXXXXX XXXX {$32.00} XX/XX/XXXX, XXXX AM Processed - XXXX XXXX XXXXXXXX XXXX - XXXX - XXXX, - {$76.00} XX/XX/XXXX, XXXX AM Processed - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX, XXXX {$68.00} XX/XX/XXXX, XXXX PM Processed XXXX Amex XXXX - XXXX - + {$2500.00} Available Balance + {$2200.00} Called American Express at XXXX on XX/XX/XXXX and only got an automated system

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-04 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 am filing a complaint because my creditor is reporting late payments on my account ( ALLY FINCL ) that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher, but the payments remain without proper validation or documentation. Under 15 USC 1681 S2 A furnisher must report accurate information under 15 USC 1681 I the credit bureaus must perform a reasonable investigation within 30 days. Neither of them has provided sufficient evidence to support the negative reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-04-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I tried to open up a certificate of deposit with XXXX from Goldman Sachs by submitting an application for a 13 month no-penalty CD input all the requested details including first name, last name, address, home address, email address, complete social security number, occupation details, phone number, secret questions etc. When I finished submitting this application I was taken to a web page requesting me to contact XXXX by calling in XXXX & mention application ID # XXXX. 

I called & spoke with XXXX XXXX on a recorded line & she asked me to provide all my & my wife 's PII & social security number details again. To this I requested her to trun the recording OFF while I & my wife provide the social security number to which she objected. I further requested that this information was already provided via the online application & would like to to talk to a supervisor or manager explaining them that there are no Federal or State regulation regarding this. XXXX XXXX put me on brief hold & spoke with XXXX from Goldman Sachs security department but they did not come online to discuss this matter with me.

I spent over 45 minutes over this today over my very busy schedule to no help or real service from XXXX by Goldman Sachs which is an online bank secured by FDIC. I have already filed a complaint with FTC & now doing here with CFPB. Next step will be to file an official complaint with New Jersey State Attorney General 's office. 

I would like CFPB to further investigate what federal or state rule does allow XXXX by Goldman Sachs to collect this information twice & especially collecting people 's voice & PII, SPII information over a recorded call. How does XXXX by Goldman Sachs safeguard customer 's information & sensitive data. This process is not followed by financial banks & Credit Unions across United States. 

I would like CFPB to pass this complain to XXXX by Goldman Sachs & collect needed information so I can review them and ensure enough security measures are in place to safeguard all customers data. I would also like XXXX by Goldman Sachs to modify their process based upon customer 's request to temporarily stop the recording while trying to validate the customer 's authenticity by collecting customer 's voice, PII, SPII & other information to safeguard their identity. 

My email address is XXXX & pls contact me if there is need for more information here to do the needful. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

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