vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: LA

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
The report is not accurate on all XXXX credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: TX

Complaint narrative:
I reached out to XXXX XXXX Credit Card support, and they confirmed that there is no account under my name. However, XXXX XXXX indicates that I do have an account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NY

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This account that Midland funding has bought from XXXX XXXX which is a direct conflict of interest in their reporting. They both then report these as a double debt out for collection. Not only have they repetitively only supplied the credit bureaus with enough information to verify what they see, not that the account was trying to be worked out due to going on XXXX, having XXXX XXXX XXXX, months of recuperation and wage loss. 
The investigation yielded no actual documentation, no further explanation other than it was verified as correct and remaining on my credit. 
The FCRA states that these bureaus are only " allowed to report what " I '' allow them to and I do not. Yet it remains with no resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I am filing a formal complaint against Apple Card ( GS Bank USA ) for fraudulent, inaccurate, and unlawful credit reporting on my XXXX credit file. Apple/GS Bank is in clear violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ), 1681s-2 ( b ), and other federal consumer protection laws, and I demand immediate removal of this account from my credit report, as well as direct financial reimbursement for the harm caused by their misconduct. 

Violations Committed by Apple Card ( GS Bank USA ) : 1. Fraudulent Charge-Off Reporting The account is marked as charged-off, yet Apple/GS Bank continues to report an outstanding balance of {$3100.00}, which is knowingly false and deceptive. 
Per FCRA 623 ( a ) ( 1 ), furnishers are required to report accurate and complete information. Apple/GS Bank is willfully violating this provision. 
2. Manipulated Past-Due Amounts ( Post Charge-Off ) The past-due balance improperly increases over time ( {$76.00} {$160.00} {$3100.00} ) despite the charge-off.

This is an illegal attempt to inflate debt beyond what is contractually permissible, violating Regulation V and the FCRA.

3. Conflicting Payment History & Timeline Manipulation Apple/GS Bank falsely reported the account as 30 Days Past Due after it was already charged off. 
This is an intentional effort to prolong derogatory marks on my credit report in violation of FCRA 605 ( a ). 
4. Deceptive Reporting of Credit Limit on a Closed Account The credit limit remains at {$2300.00} on a closed and charged-off account. This misrepresents my available credit, artificially inflating my debt-to-credit ratio, and constitutes false reporting under FCRA 623 ( a ) ( 1 ).

5. Unjustified Balance Fluctuations & Falsified Payment Data The reported balance shifts arbitrarily ( {$2500.00} {$3100.00} ) without legitimate explanation.

An {$8.00} payment appears in the record, yet the charge-off remains unchanged, indicating inconsistent and fabricated data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
Cash app is canceling my payments saying that it was for my protection. And I asked them why they said for my protection and I asked them would they please stop canceling my payments and refunding my money unless I ask them to do so I don't need protection if I don't ask for them to cancel or refund my money I don't feel that they should do it they're canceling and refunding everything I pay and they don't have that right I've asked him numerous times for a week now to please stop canceling my payments but they continue to do so. It's my money not theirs and I haven't asked for them to cancel all refund me anything so I don't feel that they should do that on every payment I make

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I submitted a buyback request on XX/XX/XXXX for months that did not qualify for PSLF but worked at least for 120 months for a qualify employer, as advised on Studentaid.gov website for those in the SAVE plan ( court injunction ), which I was at the time. As recommended by the studentaid rep, I was to work towards PSLF forgiveness via two parallel processes : submitting buyback request and requesting for an alternative IDR plan that qualified for PSLF to obtain the last three qualifying payments towards loan forgiveness/discharge. I have been in public service ( XXXX  ) since XX/XX/XXXX. I have not received any new information despite calling multiple times between XX/XX/XXXX until XX/XX/XXXX. Studentaid had no anticipated timeframe or any information to suggest that there is advancement in this buyback process or when IDR will be processed. Below are key dates. 

XXXX submitted buyback ( namely Reconsideration Request ) for student loan payments and received response email titled Reconsideration Case # : XXXX on XX/XX/XXXX. 

XXXX income driven repayment request ( IDR ) submitted to change from SAVE to Income based repayment plan. 
Processing forbearance credit towards PSLF payments were not honored as indicated on their website. 

XXXX escalated buy back request via phone with studentaid, escalation recommended by studentaid rep since 90days had lapsed since reconsideration request was submitted. 

XXXX received students auto reply email due to escalation of buyback delay ( attached ). 


XXXX called studentaid, service rep had no idea regarding when buybacks will be processed. When asked how long I should wait despite that an escalation of the issue was made, rep gave a response that suggested it is indefinite at this time. He discouraged me from putting another reconsideration request in. No information is on studentaids portal for reference. Only evidence of buyback request is the case number from XX/XX/XXXX and XX/XX/XXXX emails ( above ).

Company response to consumer: Untimely response
Consumer complaint received 2025-03-18 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: NC

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: TX

Complaint narrative:
I am reaching out regarding multiple inquiries from your company that I did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: PA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: PA

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. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: MN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I recently found that there are several fraudulent items on my ChexSystems report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: IN

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: MD

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. 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 4 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 2025-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Make long story short, I visited XXXX XXXX on XX/XX/year>, I bought XXXX ticket at the ( XXXX ) XXXX XXXX XXXX unknown lady was trying to help me with the machine getting my train ticket, i used my Citibank debit card and pin to get the train ticket, boarded my train to my destination, when exited the train at my destination my Citibank debit card was stolen. I contacted Citibank immediately to block my card but already had purchases and cash withdrawals almost XXXX XXXX dollars, i went to the local Police station and report the incident and given Police report, I return back from my trip went to Citibank many times to report the incident they contacted the billing and dispute department also give them the Police report, Citibank customer service rep said will be one week and Citibank will sent letter in the mail. Citibank sent me denial letter in the mail, went back to Citibank the same rep did again same process again after one week next denial letter, i took it up to myself go back to Citibank spoke to Branch Manager concerning the XXXX stolen debit card incident, she took all my documents and the Police reports and said she will take care of it, weeks later i called fraud and billing dispute department and asked about my case they said don't have any documents and my request for any credits is denied. I call again spoke to person from billing and fraud department and they requested all documents and police reports because all this time before they never received anything from Citibank, still got denial letter from Citibank, i requested how they based there final decision in this case and requested paperwork on the investigation been over month and Citibank haven't sent any correspondence by mail or email

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Experian Consumer Disputes XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute Regarding Inaccurate Charge-Off Reporting for XXXX by XXXX XXXX Account XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of my XXXX by XXXX XXXX account ( Account # XXXX ) on my credit file. Upon reviewing my credit report, I noticed a significant discrepancy between the reports provided by Experian and XXXX. Specifically, Experian is reporting this account as a **charge-off** in the payment history, while XXXX is reporting **positive payment history** for the same account. 

If the information is coming from the same data furnisher, it is essential that the details provided across all consumer reporting agencies remain consistent. The fact that Experian is reporting a charge-off, while XXXX reports a positive payment history, is an indication that Experian 's reporting is not accurate or consistent with the other credit bureaus, violating the principle of **maximum possible accuracy** under the **Fair Credit Reporting Act ( FCRA ) **. 

Moreover, I believe Experian is violating the FCRA by **illegally re-aging the account**. The continuous reporting of this charge-off every month constitutes a pattern of re-aging, which is illegal under the FCRA. A charge-off account should not be reported in a manner that negatively affects the consumer 's credit history month after month, especially when the account is being inaccurately represented. This is a direct violation of the FCRA 's requirements to report information with **maximum accuracy**. 

In accordance with Section 609 of the FCRA, I am requesting that Experian delete this account from my credit report due to the failure to conduct a proper investigation into the accuracy of the information. The incorrect reporting of this charge-off is materially harming my credit score, and I demand immediate action to correct this issue. 

Please provide me with the results of your investigation, along with any documentation or verification of this charge-off reporting. Should you fail to provide this documentation or demonstrate the accuracy of your reporting, I request that you remove this account from my credit report altogether. 

Thank you for your attention to this matter. I expect prompt action in accordance with the FCRA 's requirements. Please consider this a formal request for deletion if the inaccurate information can not be substantiated. 

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 2025-03-18 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: NV

Complaint narrative:
I received a copy of my credit report and noticed I had a new derogatory account. This company XXXX XXXX XXXX. They are reporting a debt of {$640.00} that I dont recognize. I sent them a letter to validate the debt and they sent me an account from XXXX XXXX with the incorrect name, an address Ive never been associated with and different amount owed then what was reported on my credit. They said in the letter that I owe {$310.00}. I received the letter on XX/XX/year>. No validation of me personally owing this debt, bearing my signature also.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: CITIBANK, N.A.
State: TX

Complaint narrative:
checked my XXXX and noticed a citibank card opened without my knowledge from address I've never lived at in XXXX. was opened XX/XX/year> for {$10000.00} and was maxed out

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