vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : DEMAND DELETE INMEDIATLY INQUIRIES UNAUTHORIZED UNDER CREDIT REPORT I recently reviewed my credit report and found unauthorized inquiries. 
I have contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal. 
I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. Pursuant to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In General. Subject to subsection ( e ), any consumer reporting agency may provide a consumer report under the following circumstances and no others. ( F ) otherwise has a legitimate business need to obtain the information ( 1 ) in connection with a business transaction initiated by the consumer.

Per 15 U.S. Code 1681i, Paragraph ( 5 ) Handling of Inaccurate or Unverifiable Information ( A ) In general. If, after a reinvestigation pursuant to paragraph ( 1 ) of any information disputed by a consumer, an item of information is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall : ( 1 ) promptly delete.

ADDICIONALLY, Pursuant to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIERES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account.

I demand that you show me verifiable proof ( an original consumer contract with my signature ) that you have on le for the accounts listed below. Your failure to positively verify these accounts has affected my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you can not provide me with a copy of the verifiable proof, you must remove the accounts listed below. 
I demand that the following INQUIRIES be verified or removed immediately. 
The following inquiries are not authorized : 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  I appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Army and Air Force Exchange Service
State: AE

Complaint narrative:
I recently opened a new credit card with XXXX XXXX so that I could transfer the balance of my Military Star Card.

A check was sent for the full amount that was on the Military Star card for {$4200.00}. 

Over 20 days had passed by so I contacted Military Star to see if they had received the check or not and they said they did not. 

They then recommended that I contact XXXX XXXX to consult with them about this situation. 

I contacted XXXX XXXX and after they went over the details of the Balance Transfer ; it was found that the address was incorrect. 

And this error combined with the timeframe going past the normal time of which things should have been processed brought them to suggest that a stop payment and new check be issued to the correct address. 

So that is what was done and the new check and payment was received and posted in a timely manner.

The Military Star card now has a XXXX balance. 

I went to use it the other day and it was declined. 

So I called and the person who spoke with me on the phone said my account was frozen because of the stop payment check. 

I told explained to them the situation about the wrong address and possibility of it being lost because of the time that passed was over the usual amount of time and they argued that I would have to pay back for the stop payment check even though a new check was written and sent to the correct address and my account has no balance. 

I followed the advice of both Military Star who told me to contact XXXX XXXX about what should be done and this is what they suggested. And now they are trying to threaten me with collections for a check that will be overpaying my credit card. 

I read the details of their services and it states that only a small fee would be charged if a check didnt go through and that it fees could not exceed the minimum balance due but they are asking me for {$4200.00} when my account has been paid off already and has a XXXX balance. 

They said they are sending this to collections if I do not pay it. Even though I explained all of this situation to them.

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 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
The annual XXXX membership fee was automatically charged to my card ending in XXXX on XX/XX/year>. Please note that the charge was made in the currency used on XXXX, totaling XXXX XXXX XXXX which at the time was equivalent to {$120.00} USD. Following this transaction, I initiated a claim with XXXX to state that I was not interested in renewing the annual plan. Simultaneously, I requested that Apple Card review the transaction. In response, Apple Card provisionally refunded the amount to my account. 

Once XXXX detected the reversal initiated by Apple Card, they canceled the renewal of the annual plan and restricted my card, preventing me from using it for any future purchases on their platform. Please note that the original charge from XXXX was made on XX/XX/XXXX, and by XX/XX/XXXX as shown in the attached image titled 1 Screenshot Billing History XXXX had already processed a chargeback for the full amount of the annual membership fee and canceled the renewal of such membership. In other words, the entire issue was identified and resolved within less than a week, during which I did not use the membership at all. 

I thought the dispute had been resolved, but a few weeks later, Apple Card informed me that the provisional credit had been reversed, and that I would be charged {$120.00} USD. This left me in a difficult position essentially paying for a membership I never had access to, and that I clearly did not want in the first place. 

Since XXXX of last year, I have been disputing this charge with the Apple Card support team, which has taken weeks, even months, to respond each time. Throughout the process, I have provided multiple pieces of evidence, including : Screenshots of my billing history from XXXX ( see attached file titled 1 Screenshot Billing History ). 
An email from XXXX, dated at the time, confirming that the membership had been canceled and my card restricted ( see attached file titled 2 Screenshot Email XXXX Subscription Canceled ). 
A XXXX transcript of a chat with a XXXX agent confirming that the membership was not active ( see attached file titled 3 Chat with XXXX agent ). 

The Apple Card team has refused to refund the charge, citing the justification that The evidence we received confirms that all sales were final at the time of purchase. However, this was never a final purchase or understood as such. It was a service purchased, promptly canceled, and never actually provided. Furthermore, the payment was not retained by the service provider XXXX XXXX XXXX, but is instead being held by Apple. This is, in essence, a case of a paid service that was never delivered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
As I checked my profile I realized there were some hard inquiries that did not belong 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 2025-04-11 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : DEMAND DELETE INMEDIATLY INQUIRIES UNAUTHORIZED UNDER CREDIT REPORT I recently reviewed my credit report and found unauthorized inquiries. 
I have contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal. 
I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. Pursuant to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In General. Subject to subsection ( e ), any consumer reporting agency may provide a consumer report under the following circumstances and no others. ( F ) otherwise has a legitimate business need to obtain the information ( 1 ) in connection with a business transaction initiated by the consumer.

Per 15 U.S. Code 1681i, Paragraph ( 5 ) Handling of Inaccurate or Unverifiable Information ( A ) In general.

If, after a reinvestigation pursuant to paragraph ( 1 ) of any information disputed by a consumer, an item of information is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall : ( 1 ) promptly delete.

ADDICIONALLY, Pursuant to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIERES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account. 
I demand that you show me verifiable proof ( an original consumer contract with my signature ) that you have on le for the accounts listed below. Your failure to positively verify these accounts has affected my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you can not provide me with a copy of the verifiable proof, you must remove the accounts listed below.

I demand that the following INQUIRIES be verified or removed immediately. 
The following inquiries are not authorized : XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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 I appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe required by law

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 2025-04-11 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: EQUIFAX, INC.
State: NE

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: NJ

Complaint narrative:
As I checked my profile I realized there were some hard inquiries that did not belong 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 explanation
Consumer complaint received 2025-04-11 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: MD

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: CA

Complaint narrative:
Hello, I have sent information to the company during the mortgage forbearance period, and they keep telling me that they have not received the package. I have sent everything via email, so there is a timestamp for all the correspondence. 

I sent the Mortgage Assistance application, bank statements, and other pertinent documents, proof of insurance, yet they still are telling me that they have not received my information. 

Also, they are showing deferred balance when there should not be a deferred balance, as XXXX XXXX received multiple times funding from California Mortgage Relief. 

They don't have their information in place, and when I tried to reach them, their office is closed at XXXX XXXX  PST on a weekday. How are they not open to serve their clients on a normal weekday? 

I am very frustrated with this new lender/servicing company. 
I thought I was dealing with a better company compared to XXXX XXXX, yet it is the same situation.. 

I may have to take action against them if they don't get their things together.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion has made it extremely difficult to file a dispute regarding items on my credit report. On multiple occasions, including XX/XX/XXXX and XX/XX/XXXX, I attempted to file a dispute online but was met with a message instructing me to either call a phone number or submit the dispute by mail. The phone number provided, ( XXXX ) XXXX, does not workit does not ring and immediately returns a call failed message. I attempted to call this number at least XXXX times during their listed hours ( XXXX XXXX XXXX XXXX XXXX XXXX  ), but was unable to connect. 

In addition, I attempted to mail in a dispute in both XXXX ( XX/XX/XXXX ) and again in XXXX, but I never received any response from TransUnion on either occasion. When trying to find the mailing instructions on their website, I was redirected to a separate page : XXXX XXXX XXXX  However, this page only leads to another login prompt, which circles back to the same starting point, creating a frustrating loop that provides no clear instructions on how to dispute by mail. 

Ultimately, I had to search for the mailing address through a third-party search engine, as TransUnion does not make this information easily accessible. This ongoing lack of access and responsiveness has made it nearly impossible to dispute information on my credit report or even verify details, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NE

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-04-11 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:
There are several inaccurate items appearing on my credit report that must be addressed without delay. Some contain incorrect information that doesnt match any of my records, others are completely unfamiliar, and several appear to have been added without any proper verification. This is a clear violation of the FCRA, which requires that all data on a credit report be 100 % accurate and verifiable through reliable documentation. 

To resolve this issue, I am demanding the immediate and permanent removal of all disputed information. If the data furnishers can not produce valid evidence confirming the accuracy of these entries, they have no legal right to remain on my file. I expect prompt action to correct these errors and restore the accuracy of 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 2025-04-11 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wednesday XX/XX/XXXX starting at XXXX I called to see why my sons checking account was negative and only to find out that Wells Fargo once again waited until funds where gone before appling other transactions as they were there before the money was gone. upon calling I got a woman who refused to give me her name and was very rude with me for trying to explain the problem with the account, she was rude and not helpful at all potentially making it even worse, she wouldn't let me finish any sentences that I started and then proceeded to hang up on me without resolution to my problem. I see Wells Fargo has a complete disregard for its customers and allows its associates to speak to customer or in my case former customer. No wonder why Wells Fargo gets sued periodically. Do yourselves a favor and learn how to take care of customers for the love of XXXX. As soon as I get confirmation from cfpb with my right to sue I will 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