vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 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: KS

Complaint narrative:
This account is Identity theft, XXXX has been informed multiple times. XXXX has misled in regards of the fraud process, documentation proving identity theft was provided and also sent via mailed format. My name is NOT XXXX XXXX, I am NOT and never have been associated to XXXX, my address is NOT XXXX XXXX XXXX XXXX XXXX XXXX I have never been associated to said address. This is discrimination and misleading on XXXX  part, I am now being harassed my XXXX, XXXX have failed to resolve correctly. This is also racism as I am XXXX. I have been more than cooperative, providing every document requested by XXXX yet they have not marked this as fraud, leaving the possibility open for whoever stole my social and committed this atrocity to potentially reuse their services, unacceptable. This is Negligent and XXXX needs to be stopped. 
Additionally all credit bureau Experian, XXXX, XXXX violated the Fair Credit Reporting Act. 
XXXX, XXXX, EXPERIAN, XXXX are negligent non-compliance, 15 U.S.C. 1681o. 
Please delete this account immediately from my credit reports.

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 2025-02-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
I was locked out of my Marcus account around XX/XX/XXXX, for no apparent reason. I called multiple times and mailed in an Affidavit of Identity to XXXX on XX/XX/XXXX. I called on XX/XX/XXXX to ask to unlock my account, and they said it would be under review, and to give it a week. I called again on XX/XX/XXXX, and my account is still " under review ''. They also couldn't confirm if they even received my Affidavit of Identity. I have been unlocked out of my account for months and I can't access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: AL

Complaint narrative:
Help me credit a dispute letter for XXXX. ( civilized liability negligence non-complaints )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: AL

Complaint narrative:
Help me credit a dispute letter for XXXX. ( civilized liability negligence non-complaints )

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 2025-02-22 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: CA

Complaint narrative:
On XX/XX/XXXX, I ran my credit report and noticed that an account was reported 30 days late when in fact all payments have been made on time. XXXX XXXX XXXX XX/XX/XXXX, with all on time payments made.

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 2025-02-22 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:
On XX/XX/XXXX, I ran my credit report and noticed that an account was reported 30 days late when in fact all payments have been made on time. XXXX XXXX XXXX XX/XX/XXXX, with all on time payments made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: CA

Complaint narrative:
On XX/XX/XXXX, I ran my credit report and noticed that an account was reported 30 days late when in fact all payments have been made on time. XXXX XXXX XXXX XX/XX/XXXX, with all on time payments made.

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 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello good after, I am messaging to file a complaint about the application criteria of Citi Bank for the XXXX XXXX card. My credit report is impeccable, with no missed payments, fully paid off student loans, a steady XXXX  score of XXXX, XXXX debt, and XXXX titled properties. 

I was denied for " not enough revolving credit ''. This decline is asinine and unjustified. My financial history is more than adequate to be accepted for this card. Additionally I request the lowest APR when my application is approved. 

I personably know people with far worse financial history that easily get approved, that ought not to. 

Swift manual review and acceptance of my application is requested, 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 2025-02-22 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: CA

Complaint narrative:
I have received a generous e-gift card from my boss as a birthday present. The American Express gift card states on the balance page that it can be added to XXXX XXXX in order to be used in physical stores- this is simply not true. I have tried multiple times with multiple solutions suggested on online forums- apparently this is a very well known problem with this specific type of gift card. 

I attempted to call American Express to pursue any help and literally could not reach a real person to explain the problem, let alone try to arrive at a solution. 

I have tried to fix this every way I can with the tools I have available to me, and have sat on the automated American Express phone line for well over an acceptable time trying to reach someone to help me. Based on evidence I see on various forums, I don't really have any confidence that the phone line would be able to assist me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are credit reports that I did not ask for or even know who the company is that requested this 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 explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
It has been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they delete the alleged late payments on my report. Under federal law they have 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ARS National Services, Inc.
State: FL

Complaint narrative:
Hello, I have been receiving calls from the ARS National services inc. agency. They are charging me for a card that I have with XXXX in the amount of {$4500.00}. I used that card during the COVID-19 pandemic but due to the economic problems I had it was impossible for me to pay it, a few months ago I requested a payment plan which they first approved but after about 2 months they deleted it and they started calling me to charge me the full debt and I don't have that money to pay it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have been experiencing a lot of fraudulent activity on my credit report. I have been working hard to protect my identity and credit. I have had to add fraud alerts, security freezes to my credit reports and recently, on XXXX, sent certified letters to all XXXX credit bureaus requesting that my correct name and address be the only thing reporting under my personal information on my credit report, in order to dispute other inaccuracies that they continue to report as verified after multiple disputes. In my letters I provided a copy of the front and back of my drivers license, my utility bill with my legal name and legal address and social security number. Requested that all the incorrect names, addresses, and phone numbers be removed from my credit reports. TransUnion and Equifax did this with no hesitation. Experian will not honor the request because there are XXXX negative items on my credit report with incorrect information that Ive disputed that they will also not remove. This information is being reported to all XXXX credit bureaus and all come back verified. Ive been trying to get my credit report corrected to no avail and would like to avoid involving a lawyer. I really could use help as a hard working XXXX, with a dream of homeownership, just trying to make ends meet for my growing family. Ive been trying to fight this battle alone for too long now. Please help.

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 2025-02-22 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX ACCOUNT NUMBER XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate 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 2025-02-22 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability toobtaincredit I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 
Agency Name. : XXXX XXXX XXXX Open Date : XX/XX/year> Account Number : XXXX High Balance : {$330.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-02-22 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:
The delinquent payment showing on my credit report ( XX/XX/year> ) ( XX/XX/year> ) ( XX/XX/year> ) was a result of my job loss due to COID-19. The CARES Act, which was signed into law on XXXX and ended XXXX XXXX. This act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COID-19 crisis under these circumstances. Please update this information to PAID/AGREED for the following time period. Thank you for your understanding and prompt action.

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 2025-02-22 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: GA

Complaint narrative:
The delinquent payment showing on my credit report ( XX/XX/year> ) ( XX/XX/year> ) ( XX/XX/year> ) was a result of my job loss due to COID-19. The CARES Act, which was signed into law on XXXX and ended XXXX XXXX. This act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COID-19 crisis under these circumstances. Please update this information to PAID/AGREED for the following time period. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation and FCRA Compliance ( Account No. XXXX ) Dear To Whom It May Concern, I am writing to formally dispute the validity of the collection account referenced above. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that you provide proper validation and documentation of this debt. Specifically, please provide the following within 15 days of your receipt of this letter : The complete account history, including the original creditors name and contact information. 

A copy of the original contract or documentation evidencing my obligation for this debt. 

A complete chain of assignment or transfer, if the debt has been sold or transferred. 

Proof of your legal authorization to collect this debt. 

Any judgment or legal documents related to this account, if applicable. 

Until you provide the requested validation, please cease all collection activities, including reporting this account to any credit reporting agencies. Should you be unable to validate the debt within the allotted time, I request that you immediately remove all references to this account from my credit files and notify the appropriate credit bureaus accordingly. 

Please direct all future correspondence regarding this matter to my address listed above. I have sent this letter via certified mail, return receipt requested, to ensure proof of delivery. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Americas Car-Mart, Inc.
State: GA

Complaint narrative:
When they took my car nor did they reach out I reached out to them and there head office. They didn't have a manager in XXXX when this was happening they never offered to work with me to get my car fixed that's a lie the letter they claim they sent me I have not never seen it until now XX/XX/year>. Would like to see all the paper due to what they are saying they told me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report maintained by XXXX. Pursuant to 15 U.S.C. 1681o, which holds credit reporting agencies and furnishers liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), I am requesting immediate correction of the following erroneous data. 



Disputed Information : Account Name : XXXX XXXX XXXX XXXX Inaccuracy : Account does not belong to me Correct Information : Account does not belong to me I have attached copies of relevant documents that support my claim. 



Under 15 U.S.C. 1681i, credit reporting agencies must investigate disputes within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information. Furthermore, failure to comply with the FCRA due to negligence makes the responsible party liable for damages under 15 U.S.C. 1681o, including any financial harm I have suffered as a result of this error.

If the disputed information is not corrected within the legally mandated timeframe, I will pursue further legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages in civil court.

I request a written response confirming the resolution of this dispute. You may contact me at the address or phone number listed on my file or contact me for a better contact.

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 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not make these inquiries. These inquiries are not mine and never applied for these. 15 USC 1681B. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: TX

Complaint narrative:
i only authorized the car dealership to run my credit report and they allowed a lot of banks to pull my credit, and my score went down and now I'm having a hard time getting approvals because of too many inquiries. I did not authorize any bank, credit unions or other sources to my credit. i only gave permission to the car dealership itself. I requested all hard inquiries be removed and they responded with a few days with enquiries will remain on record for certain amount of years, that tells me they did not try to investigate the matter as it would take them a while to contact them all so I want them removed asap from all credit report agencies.

Company response to consumer: Closed with explanation