vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I submitted a detailed dispute to Experian via XXXX XXXX mail ( tracking XXXX XXXXXXXX ), requesting an investigation of inaccuracies in my credit file and personal information, along with supporting identity documents - a copy of my photo ID, social security card, and a recent utility bill reflecting my current address. 
According to XXXX tracking, Experian received the dispute letter on XX/XX/year>. Despite my valid and detailed request, Experian has failed to provide the results of an investigation or any communication regarding the matter. It has now been over 30 days since Experian received the letter, significantly exceeding the timeframe required by law. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to conduct a reasonable reinvestigation of disputed items within 30 days to determine their accuracy. XXXX failure to respond and act on my dispute constitutes a violation of this requirement and infringes upon my consumer rights. I am including a copy of my dispute letter sent to Experian and XXXX certified mail proof of delivery as proof.

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 2025-04-03 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: NY

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

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

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: TN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: TN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Subject : Formal Complaint Regarding Fraudulent Transactions Dear SoFi I am writing to formally lodge a complaint regarding XXXX unauthorized and fraudulent transactions that were made on XX/XX/year> from my SoFi Bank account by XXXX. The details of these transactions are as follows : Transaction ID : XXXX Amount : {$19.00} Transaction ID : XXXX Amount : {$22.00} Both transactions were processed on the same day at XXXX, terminal location XXXX, CA, with Terminal ID : XXXX. 

I did not authorize these charges, nor have I subscribed to any XXXX services that would justify these deductions. As such, I am requesting an immediate refund of the total amount and a full closure of any XXXX  accounts linked to my name or financial information. 

I have already disputed these transactions with my bank, but they have refused to issue a refund. I hold XXXX accountable for these fraudulent charges and expect a resolution at the earliest possible time. 

Please confirm receipt of this complaint and provide a timeline for the permanent credit and refund and account closure. If this matter is not resolved promptly, I will be left with no choice but to escalate my complaint to consumer protection agencies and take further legal action if necessary. 
I have no business no did I authorize any transaction by XXXX. 
I appreciate your immediate attention to this urgent matter. You may contact me at XXXX you require any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be updated. 


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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be updated.

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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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! 


Update 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 2025-04-03 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: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be updated.

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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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!

Update 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 non-monetary relief
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
All my complaints till date on CFPB portal are related to this issue. 

My phone got theft and fradster was able to takeover icloud and virtual applecard/ I reported this with Goldmansachs and apple and they said they were going to close my account as they can not provide access to my account any more in such a case. 

But they have been constatntly reporting me to credit bueaurues time to time. This is the 3rd time they reported and corrected my account. The balance was like XXXX XXXX XXXX  which I paid or last but this is coming back again, I would like this account to be closed and not reported. It costed me XXXX points recently on my credit report. 


My Social ends with XXXX and email is XXXX This info should be available in my previous complaints as well for Apple or Goldmansachs to identify my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: CA

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

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 2025-04-03 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: CA

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 explanation
Consumer complaint received 2025-04-03 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: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: GA

Complaint narrative:
On or around XX/XX/year>, I submitted basic personal and banking information on what I believed was a loan pre-qualification form with XXXX XXXX XXXX. I did not intend to accept a loan, sign a loan agreement, or proceed with any financial transaction. I believed the form was for rate checking or approval purposes only. 

Despite not clicking any button that I recognized as legally binding acceptance, and without being clearly presented with a loan agreement or terms, I was issued a loan in the amount of {$700.00}. The funds were directly deposited into my bank account without my informed consent or any form of actual signature on a loan contract. 

Upon reviewing the attached documentation, I discovered that the company has fabricated an electronic agreement that includes my name and IP address, indicating I electronically signed for this loan. I did not knowingly agree to a 668.95 % APR loan that would require over {$2800.00} in finance charges. Once I realized what happened, I immediately contacted my bank, reported the incident, and closed my bank account to prevent XXXX XXXX XXXX from attempting to withdraw funds. I opened a new account and ensured my bank was aware of the exact amount they might try to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: IL

Complaint narrative:
On XX/XX/year>, I sent a dispute letter to TransUnion via USPS certified mail ( tracking number # XXXX ) to request an investigation into inaccurate items and incorrect personal information listed on my credit report. My dispute was accompanied by identity verification documents such as a copy of my photo ID, Social Security card, and a recent utility bill reflecting my current address for their review. 
USPS tracking confirms the letter was delivered to TransUnion on XX/XX/year>. Despite providing detailed information to support my dispute, I have not received investigation results or communication. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to conduct a reasonable reinvestigation of disputed items within 30 days to determine their accuracy. TransUnion 's inaction, over 30 days later, violates its legal obligations under the FCRA to conduct a timely and reasonable reinvestigation. I am including a copy of my dispute letter sent to Transunion and USPS certified mail proof of delivery as evidence to support my claim.

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 2025-04-03 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: WA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several inaccuracies on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 compliance standards. Please conduct a thorough investigation into the following items, as they contain erroneous and unverifiable information that is adversely affecting my creditworthiness. 
Accounts with Late Payments : XXXX # XXXX ( Multiple Late Payments ) ** Violation : Per FCRA 623 ( a ) ( 1 ) ( B ), data furnishers must ensure accuracy. Please provide full payment history verification, including original creditor records. If not verified, remove immediately. 
Charge-Offs XXXX XXXX XXXX XXXX ( Charge Off ) ** Violation : Under FCRA 609 ( a ) ( 1 ), I request a full account validation, including signed agreements and detailed payment breakdowns. If this can not be substantiated, delete it promptly. 
Collections : XXXX # XXXX ( XXXX ) ** Violation : This debt must be validated per FDCPA XXXX ( b ). Provide a chain of title proving legal right to collect. If unable to do so, remove this account. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection ) ** Violation : FCRA 611 ( a ) mandates a reasonable investigation. Provide original documentation proving the validity of this debt, or remove it immediately. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ( Collection ) ** Violation : Per FCRA 623 ( a ) ( 3 ), furnishers must report only accurate, verifiable data. Provide full documentation of this debt. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Collection ) ** Violation : FDCPA 807 prohibits false representations. Validate this debt with legally admissible proof, or delete it. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX ( Collection ) ** Violation : If this account is paid or inaccurate, it must be removed per FCRA 605 ( a ) ( 5 ). 
XXXX XXXX XXXXXXXX ( XXXX ) ** Violation : FCRA XXXX ( a ) ( XXXX ) requires full disclosure of debt records. Provide supporting documentation or delete. 
Hard Inquiries : XXXX XXXX XXXX XXXX  XXXX FCU - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violation : FCRA XXXX mandates permissible purpose for inquiries. Provide written evidence of authorization for these inquiries, or delete them immediately. 
Since this is my formal request, I expect your response within 30 days per FCRA 611 ( a ). If these items can not be verified, I demand their immediate removal. Failure to comply may result in further action being taken with regulatory agencies. 
Please update my credit report and provide a written confirmation upon completion. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief