vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am submitting this complaint against IC System XXXX Inc., a debt collection agency, due to their failure to comply with my request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Details of the Complaint Debt Validation Request Sent : On XX/XX/XXXX, I mailed two debt validation letters to IC System via certified mail with return receipt requested. The debts in question are : {$63.00} ( IC System, account opened on XX/XX/XXXX ) {$200.00} ( IC System, account opened on XX/XX/XXXX ) Failure to Respond : IC System has not responded to either validation request, despite receiving my certified letters. 
Per FDCPA regulations, a debt collector must cease collection activity until proper validation is provided. However, they have continued reporting these debts on my credit report and have not provided any proof that I owe these debts. 
Harm Caused : Their failure to respond has negatively impacted my credit standing and financial situation. 
I have been unable to determine if the debts are valid or if they were properly assigned to IC System. 
This has caused unnecessary financial distress and credit damage. 
Requested Resolution I am requesting that the Consumer Financial Protection Bureau take the following actions against IC System : Require IC System to Validate the Debts : IC System should provide documentation proving they have the legal right to collect on these debts and that I owe the stated amounts. 

Cease Collection and Remove Credit Reporting : If they can not provide proper validation, IC System should be required to delete these accounts from my credit report and cease all collection activities. 

Investigate IC Systems Debt Collection Practices : IC Systems refusal to respond to a lawful debt validation request suggests potential violations of the FDCPA. An investigation into their practices may prevent harm to other consumers. 

I appreciate the CFPBs assistance in ensuring fair and lawful debt collection practices. I have attached copies of my original debt validation letters and proof of mailing for reference. 

Thank you for your time and consideration. I look forward to your prompt response regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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:
I am filing this urgent complaint against XXXX and the major credit reporting agencies ( Experian, XXXX, XXXX ) for their egregious, repeated failures to correct blatantly inaccurate information on my credit report for my unsecured loan account ( Account Number : XXXX ), in direct violation of my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), the Consumer Financial Protection Act ( CFPA ), and other consumer protection laws. This has caused catastrophic harm to my financial stability, nearly resulting in the loss of my home, and I demand immediate investigation and rectification. 

Since XX/XX/XXXX, I have diligently disputed this account, which is falsely reported as charged off with {$1700.00} written off, past due as of XX/XX/XXXX, and showing a payment history of continuous " CO '' ( charge-off ) since XXXX. This is utterly falseI never defaulted on this XXXX term loan, opened on XX/XX/XXXX, and managed it responsibly with timely payments. The status, updated as charged off in XX/XX/XXXX, is a gross misrepresentation that persists despite my disputes. 

The credit reporting agencies and XXXX have failed to conduct reasonable investigations or correct these errors, violating FCRA Section 1681i ( Duty to Reinvestigate Disputed Information ) and FCRA Section 1681s-2 ( Duties of Furnishers of Information ). CRAs have provided vague, insufficient responses, claiming the information is " verified '' without detailed investigation processes or evidence, breaching FCRA Section 1681i ( a ) ( 6 ). XXXX has ignored my disputes, refusing to provide proof of delinquencies or charge-offs.

This systemic negligence has obliterated my credit score, denying me credit, loans, and financial stability. I have nearly lost my home due to these false reports, facing immense emotional and financial distress. I demand : A thorough, transparent investigation with full disclosure of processes and documentation, per FCRA Section 1681i.

Immediate removal of all inaccurate entriescharge-offs and past-due statusesfrom my credit report. 
Compensation for the severe harm, including financial losses and the near-loss of my home.

Enforcement action against XXXX  and CRAs for their willful noncompliance. 
Issuance of Form 1099-C for the reported {$1700.00} charge-off, if applicable, to address potential tax implications. 
I have provided payment records and dispute correspondence, yet their failures persist. This is unacceptable. Contact me at XXXX or XXXX for evidence. I expect a response within XXXX business days, as delays worsen my dire situation. 

Sincerely, 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 2025-03-03 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: MARINER FINANCE, LLC
State: NJ

Complaint narrative:
I was on the phone with Mariner finance and I asked them if they had any deferment options for my loan. They then told me they do not have any options but they can see if Im able to refinance I ask them does this require a hard inquiry on my report they said yes I told them I do not want a hard inquiry on my report and they did it anyway. they started to tell me what my options were and I ask them did they do a hard inquiry on my report without my authorization they said yes, and it will not hurt your report that much and I told them you were not allowed to do that without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I sent American Express a debt validation letter by certified mail ( attached ) over XXXX days ago ( XX/XX/year> ) and I still have not received the information requested. At this point that's a violation and the information reporting on my credit needs to be removed immediately. Until they can prove that I actually owe this debt ( which I don't ) false reporting is a violation.

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

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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, 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 explanation
Consumer complaint received 2025-03-03 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: AZ

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA
State: NH

Complaint narrative:
I was about to purchase a XXXX XXXX XXXX. A salesperson at the dealership suggested I apply for the My GM XXXX Card and said they would deduct {$500.00} from the price of my car once approved. The salesperson forwarded the flyer on XX/XX/XXXX. On XX/XX/XXXX, I scanned the code on my phone and applied. I received an email saying they could not verify my information. I called My GM XXXX Mastercard at Goldman Sachs Bank USA customer service and they asked me a bunch of questions and then told me to scan my DL front and back which I did. At that time, I told the agent that I needed the card by XXXX on Friday ( XX/XX/XXXX ) so I could use the {$500.00} to purchase the car. Later that day I called them about the status of my card application. They had me speak to a couple of different people. They told me to give them XXXX hours. Again, I called on XX/XX/XXXX, at that time they said my application was in the review process and needed to be reviewed by the fraud department. So basically, they told me my application had been sent to the fraud department. On Friday XX/XX/XXXX I called them before leaving to NJ to pick up my new car, they told me to wait. 

On Saturday ( XX/XX/XXXX ) I called them to cancel my application. They refuse to do so. I told them, I no longer had any use for that card. Yesterday ( XX/XX/XXXX ) I called them again to request cancel my application but again the same answer. Then I realized they were profiling me from the very beginning. My credit score is very good. I have never been late on a payment. I actually pay my credit card balance in full every month. When I was picking up my car, I asked the dealership about my credit score and they told me it was XXXX. I got a 1.4 % interest rate on the loan. I was profiled because they hear me talk ( my accent ), my name ( XXXX XXXX XXXX ) ( was not common ). My ID photo shows me ( XXXX XXXX ). - I want " My GM XXXX  Mastercard. Goldman Sachs Bank USA '' to prove me fraud or compensate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Checked my credit on XX/XX/year> on XXXX XXXX and saw my entire credit file was gone from Equifax. 
Called Equifax on XX/XX/year> to ask why my entire file was gone. 
I was told that either the creditors do not report to them or the creditors must have removed the accounts. 
This is not even remotely believable, that would mean XXXX dozen creditors would have removed all my accounts on the same day at the same time, simultaneously. 
Both other credit reporting agencies have all my creditors on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: DISCOVER BANK
State: MI

Complaint narrative:
Subject : Dispute of Inaccurate Information Violation of Section 15 U.S. Code 1681o Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate information on my credit report as provided by your bureau. I have reviewed my credit report, and I believe that the following information is incorrect : General Statement of Credit Card Debt. My limit on my Discover account is {$2000.00}. The account has been opened for over 2 years now. Interest charges change every payment for no reason. I havent used this card in forever and for some reason, it keeps going over the balance after payments have been made. 


Under the Fair Credit Reporting Act ( FCRA ), specifically Section 15 U.S. Code 1681o, it is required that credit reporting agencies properly investigate disputes. It has come to my attention that the information listed above is incorrect, and I have reason to believe it has not been investigated thoroughly or timely as mandated by the law.

According to Section 1681o, if a consumer dispute is not resolved properly within the 30-day period, or if inaccurate information remains on a credit report due to a failure to investigate, the consumer has legal grounds for action. As such, I request that your agency take immediate action to properly investigate the dispute and rectify the erroneous information on my credit report. 

I respectfully request the following actions : A thorough investigation of the disputed information and the documentation you have on file. 
Correction of the inaccurate data, if found to be incorrect, or a detailed explanation of why the information is deemed correct. 
A prompt update to my credit report to reflect the results of the investigation. 
Please provide me with written confirmation of the resolution of this matter. If you fail to resolve this dispute in accordance with Section 1681o of the Fair Credit Reporting Act, I will consider pursuing further legal action and reporting the matter to the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your prompt attention to this matter. I expect a response within 30 days, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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 REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Security Freeze Request : a. I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
b. This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : a. A copy of my drivers license or government-issued ID.

b. A copy of a recent utility bill or bank statement confirming my current address.

c. A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation