vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: CA

Complaint narrative:
Today, Tuesday, XX/XX/XXXX I received an email in my spam folder from XXXX XXXX that my account was closed. I have not missed a payment since Ive had the card and when I called customer service and then recalled again to talk to a supervisor, all the team could tell me was that my account was closed due to breaking the terms of the agreement. When I ask for more details, the team unfortunately could not provide further information. The team told that golden sachs is doing this to a lot of consumers without detailed information as to why. I am now concerned that the XXXX credit line will now affect my credit score as well as my credit ratio score. I feel that at the minimum the company should be able to give details to the reasons why they do these types of things to consumers. I also feel bad for the people who have to take these calls with no information from Golden sachs. To ask customers and or phone operators to read through the entire terms and condition pamphlet is not fair to anyone. Golden Sachs should keep their end of the bargain if as a consumer I keep my end of the bargain by paying off the balance every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Subject : Dispute of Late Payment Reporting Under 15 U.S.C. 1666b Dear XXXX XXXXXXXX XXXX XXXX, I am writing to formally dispute the late payment reported on my account ( Account Number : XXXX ) as per the Fair Credit Billing Act, specifically under 15 U.S.C. 1666b. 

I have reviewed my records and found that the payment in question was made on XX/XX/XXXX and XX/XX/XXXX and should not be reported as late. The details of the transaction are as follows : - Payment Amount : {$1000.00} - Payment Method : online - Confirmation Number : [ If applicable ] Under the Fair Credit Billing Act, I have the right to dispute any billing errors, including unauthorized charges or incorrect late payment notices. Therefore, I respectfully request that you investigate this matter and correct my account records accordingly. 

Please provide me with a written response confirming the resolution of this dispute within the time frame allowed by law. I appreciate your prompt attention to this matter and look forward to your reply. 

Thank you for your cooperation. 

Sincerely, 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 2025-04-16 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Subject : Dispute of Late Payment Reporting Under 15 U.S.C. 1666b Dear XXXX XXXXXXXX XXXX XXXX, I am writing to formally dispute the late payment reported on my account ( Account Number : XXXX ) as per the Fair Credit Billing Act, specifically under 15 U.S.C. 1666b. 

I have reviewed my records and found that the payment in question was made on XX/XX/XXXX and XX/XX/XXXX and should not be reported as late. The details of the transaction are as follows : - Payment Amount : {$1000.00} - Payment Method : online - Confirmation Number : [ If applicable ] Under the Fair Credit Billing Act, I have the right to dispute any billing errors, including unauthorized charges or incorrect late payment notices. Therefore, I respectfully request that you investigate this matter and correct my account records accordingly. 

Please provide me with a written response confirming the resolution of this dispute within the time frame allowed by law. I appreciate your prompt attention to this matter and look forward to your reply. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: EQUIFAX, INC.
State: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX XX/XX/year> I WAS CUSTOMER WITH APPLE CREDIT CARD SO XXXX DAY THEY DECIDED TO CLOSE MY ACCOUNT WITHOUT TELLING ME AND I DONT KNOW WHY I TRY TO CONTACT WITH THEM AND TELL THEM WHY BUT THEY JUST TRANSFERING FROM XXXX TO ANOTHER. I AM ALWAYS BEEN A GOOD CUSTOMER NEVER HAD ANY LATE FEES OR ANY LATE PAYMENTS. MY CREDIT LIMIT WAS XXXXXXXX XXXX WHICH I WAS USING FOR MY PERSONAL NEEDS BUT THEY JUST CLOSED IT WITHOUT ANY NOTICE OR SOMETHING I WAS TRYING TO REOPEN MY CREDIT CARD BUT THEY ARE NOW DOING IT I DONT KNOW WHY. PLEASE HELP ME TO REOPEN MY ACCOUNT BECAUSE THIS IS VERY GOOD CREDIT CARD AND ITS EASY TO USE BECAUSE IT IS IN MY APPLE WALLET AND GOOD FOR USING.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Dear Zelle Support, I am following up on a fraud report I submitted regarding your user XXXX XXXX, who received two payments through Zelle on XX/XX/XXXX one for {$100.00} and another for {$500.00}. 

XXXX is the holder of a XXXX  XXXX XXXX account and used the phone number XXXX ( XXXX ) XXXX to receive the payments. She presented the transaction as a simple favor to withdraw the money in XXXX and deliver it locally to someone but instead routed the funds, without my consent, through unknown third parties to a XXXX account. As far as I can tell, the funds may have passed through multiple banks and jurisdictions, possibly as part of a laundering scheme. 

From the total, {$60.00} remains missing, and XXXX refuses to return it. In audio and written messages, she admitted to regularly assisting others in bypassing sanctions, transferring money internationally using both her U.S. and XXXX accounts. It has become clear she is involved in an unauthorized and possibly illegal financial operation, using Zelle and her XXXX XXXX XXXX account as tools in this process. 

I also learned from her that previous accounts of hers had already been blocked due to suspicious or fraudulent activity. I am concerned that Zelle has not yet responded to my report or taken action against this user, especially given the seriousness of the allegations and the risk posed to other users. 

I am happy to provide supporting documentation if needed. I hope this issue will be addressed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: DC

Complaint narrative:
I just checked my credit and found some inaccuracies. According to the fair credit reporting Act, section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesnt get reported in my report. This is my understanding as well. Its important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any way the burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can, be placed on my credit report the information in my credit report is wrong! It was never proven to be factual,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: John C. Heath, Attorney at Law, PLLC
State: TN

Complaint narrative:
I was a customer with Lexington law from XXXX, paying them to help fix my credit and they did not. And i am Wondering why Am i XXXX Of the ones that did not receive a check from the lawsuit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX XXXX XXXX to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer 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 2025-04-16 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-15 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
Several inaccuracies concerning this account and it's violating FCRA, specifically sections 15 USC 1681E ( b ) and 15 USC 1681i ( 5 ). All information reported must be 100 % accurate across XXXX agencies, and if info can not be verified it 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 non-monetary relief
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
YOU ARE REPORTING THIS XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX AS BEING CHARGED OFF /BUT YOU ARE STILL REPORTING A BALANCE. I HAVE ASKED YOU ON NUMEROUS OCCASIONS TO CORRECT THIS ISSUE OR DELETE FROM CREDIT FILE AND YOU HAVE FAILED TO DO SO.

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 2025-04-16 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: TX

Complaint narrative:
YOU ARE REPORTING THIS XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX AS BEING CHARGED OFF /BUT YOU ARE STILL REPORTING A BALANCE. I HAVE ASKED YOU ON NUMEROUS OCCASIONS TO CORRECT THIS ISSUE OR DELETE FROM CREDIT FILE AND YOU HAVE FAILED TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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:
YOU ARE REPORTING THIS XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX AS BEING CHARGED OFF /BUT YOU ARE STILL REPORTING A BALANCE. I HAVE ASKED YOU ON NUMEROUS OCCASIONS TO CORRECT THIS ISSUE OR DELETE FROM CREDIT FILE AND YOU HAVE FAILED TO DO SO.

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 2025-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: MO

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 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Okay i had a account with Citi bank and i had gotten a check in the mail so i deposited into my account they approved it and i was using my account like i usually do then XXXX days later i get a email saying i violated the terms of the agreement and that all my accounts would be close am like okay why so i called them asking why they said cause of the check i deposited i was like okay if it was the check then why did youll approve the check in the first place so i was like okay i guess i had my income tax direct deposit to this account and i told them that and they told me that more likely they will reject the deposit and then i get a notification a few days later that the deoosit was in my account after someone from the bank told me that they rejected the deposit i heard different stories from different workers so i asked them to close my account now cause i need my money to pay my bills and they tell me that i have to wait 60 days and i told them respectfully i cant wait that long for me to get my money they are refusing to close the account and give me my money i got a letter from my auto loan saying if i dont make a payment by the XXXX there gon na reposses my car and i mention that to them and still they dont seem to care and i told them that i was gon na write a complaint about the bank and service i am getting and i would go in person to the bank but there is not a branch near me the closes branch is in california i XXXX in texas

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 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX  reporting debt has yet to provide a wet signature or any proof of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I opened a XXXX  month CD account with Synchrony Bank through their website. 

However, I am unable to close the account through their website. The website only gives options to chose a new duration for renewal. 

The only way to close a CD upon maturity is to call customer service. While I have spoken to them XXXX, they are unable to provide any written confirmation of my closure request either via email or through their website.

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 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
Every month said current and in good standing conditions until today XXXX suddenly said XXXX days late on payment when every month prior never said late or anything on the payments now I took a major credit score hit of XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NJ

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-16 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX * * * * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 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