vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: MD

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 explanation
Consumer complaint received 2025-03-06 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:
The balance information reported on my XXXX XXXX account related to a transaction with ExperianI have identified that the balance provided by Experian is inaccurate and does not reflect the correct charges for the services rendered. 

As per the Fair Credit Billing Act ( FCBA ), I am entitled to dispute incorrect billing information. The FCBA, 15 U.S.C. 1666, ensures that if a consumer identifies an error in a statement, such as incorrect charges, the creditor must investigate and resolve the dispute. Specifically, under 15 U.S.C. 1666 ( a ), I am entitled to dispute any charge that I believe to be incorrect within 60 days of receiving the bill.

In this case, the balance associated with my american does not match the actual charges. I kindly request that you update my account to reflect the correct amount in accordance with the provisions of the law. 

Please initiate an investigation into this matter, and I would appreciate it if you could provide me with an update on the status of this dispute. If you require any further information or documentation to support my claim, please do not hesitate to contact me. 

Thank you for your attention to this matter. I look forward to your prompt resolution

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 2025-03-06 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 did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-03-06 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: VA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or missing disclosures — 
Company: Nelnet, Inc.
State: IN

Complaint narrative:
Thank you for taking time out to read this but it seems as if as soon as the student loan debt relief was over. My credit score took XXXX at one time. That seems to be a awful big decrease in credit that will keep me from being able to purchase a new home or car it just damaged my credit completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against Equifax for failing to conduct a proper investigation into multiple inaccuracies on my credit report. Despite my repeated disputes and submissions of supporting documentation, Equifax consistently responds within 24 hours, stating that the disputed accounts are accurate without providing any evidence of a reasonable investigation.

This practice is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires consumer reporting agencies to conduct a thorough investigation of disputed information. Additionally, Equifaxs failure to investigate adequately and provide evidence of its findings may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). The CFPB itself has recently taken action against Equifax for similar misconduct in administrative proceeding File No. XXXX. 

I respectfully request that the CFPB take immediate action to ensure Equifax complies with federal law and removes the following inaccurately reported accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the full deletion of these accounts due to Equifaxs failure to comply with federal investigation requirements. Please take the necessary steps to hold Equifax accountable and ensure consumer rights are protected.

Thank you for your time and prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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 appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance {$490.00} XXXX XXXX XXXX XXXXXXXX Balance {$870.00} STATE OF MI XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00}

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 2025-03-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/year>, I opened a High Yields Savings Account with Marcus by Goldman Sachs due to the attractive 3.90 % APY rate they were offering and wished to use this as place to hold my emergency funds. 

On XX/XX/year>, I deposited {$18000.00} to this account from my chequing account. 

On XX/XX/year>, I initiated a transfer of {$6000.00} to a cash management account. Later that day, I received a voicemail from a representative of Marcus by Goldman Sachs to call them back. After work, I returned the phone call and spoke to a representative who validated my identity by asking for my first and last name, the last four digits of my SSN and then by asking for my 'secret code '. Having answered all correctly, I was then put on hold and transferred to another agent. That agent then mentioned needing to verify my identity again by asking me 'questions in the public domain that may or may not correspond to me '. I found this very unusual from a financial institution, but agreed. However, he informed me that his system was not working and he will place my account on review and I will receive a call from another representative within a day or two. 

On XX/XX/year>, I did not receive a call from a representative so I logged into my account on the Marcus by Goldman Sachs website and noticed that the transfer was reversed and the balance was back to {$18000.00} ( {$15.00} interest earned ). I thought the issue might have been that I transferred to a brokerage so I decided to transfer the money back to the chequing account I initially used to deposit the money from. When I initiated that transfer I received the following message 'Were sorry. Give us a call toll-free at XXXX to make this transfer. ' I called the phone number and spoke to an agent, who once again verified my identity by asking for my first and last name, my birth date, the last 4 digits of my SSN, sent me a one time passcode on my mobile phone and then asked me for my 'secret ' code. I verified my identity by answering all these questions. Then I was put on hold and transferred to another agent, who put me on hold again. Once he returned he told me I needed to validate my identity by filling up a 'affidavit of identity ' that will be sent to me via mail and that will need to be notarized and returned by mail. I was shocked by this, and told the agent that I have never heard of such a request from a financial institution before. The agent told me there's nothing odd about this request it's part of their processes to verify someone's identity. I've banked with other institutions for over 15 years now, and have never been requested to do something this extensive before. Now fearing that the money I considered to be my emergency funds will be locked away for months, I am reaching out to the CFPB for support for getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: MA

Complaint narrative:
My credit report shows late payments that arent accurate. Ive disputed these with the credit bureaus, but the issue still hasnt been resolved. The account in question shows late payments, even though Ive always paid on time as agreed. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
XX/XX/scrub>XX/XX/2025 XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Cease and Desist Request Regarding Citibank N.A. Account Dear Sir/Madam, I am writing to formally request, under the provisions of 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), that you immediately cease all communication with me regarding the alleged debt associated with Citibank N.A.

As per the FDCPA, I am exercising my right to demand that you discontinue all communications with me, including but not limited to phone calls, emails, letters, or any other form of contact.

I understand that under 15 U.S.C. 1692c ( c ), once you have received this written request, you are legally required to stop communicating with me except for very limited circumstances ( such as informing me of the filing of a lawsuit ). I do not wish to receive any further contact from your agency regarding this 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 2025-03-06 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, XXXX 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 2025-03-06 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 non-monetary relief
Consumer complaint received 2025-03-06 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-06 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: Experian Information Solutions Inc.
State: FL

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 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 2025-03-06 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: NY

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 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 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CA

Complaint narrative:
They playing games trying to collect on debt that is no longer mine as it is past the statue of limitations and can't be collected anymore. They be illegally trying to collect zombie debt and intimidating me. Like they should be fined and pay me dagames for this and they need to stop hollering at me and contacting me like this! Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I understand that only hard inquiries made without my consent are eligible for removal. To that end, I affirm that I did not authorize the above-mentioned inquiries and request that they be investigated and removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-03-06 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
At the end of last year, i purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX This XXXX XXXX ended up having a XXXX XXXX XXXX  in which the cover could not sit on it and seal. This required a whole new XXXX XXXX usually since the XXXX XXXX and cover have to be the ones that originally came together. Can not be mismatched with others. 

The merchant would not agree to helping pay the labor to move the internals from this XXXX XXXX  to a different one, or agree to paying the shipping to return this product. So i opened a bank dispute with American Express, and provided evidence of everything. I still somehow lost, and i was provided a merchant pdf resolution that stated they offered a refund which was not true. I decided to move on and fix the issue myself. I remachined the side of the cylinder head to work. 

Fast forward to XXXX, I try to turn the car on after getting the engine back from my mechanic. The car will not start properly and is throwing a code for the XXXX XXXX XXXX. I have my mechanic check and he finds that the XXXX XXXX XXXXXXXX and faulty, the trigger is misaligned from factory and causes the motor to be off timing. This chewed up the journal in the XXXX XXXX  right beside this area. The company leaves me on seen and will not respond to my messages. I will attach proof of all this. 


My problem now is that American express will not acknowledge my new issue, they 3 times now have copy and pasted the same resolution from the first situation in XXXX without having the merchant reply to this new problem that I am having that is much more significant. I even called and escalated this through Amex and was told that they see that ive been having my dispute over looked and the response has no context to the current problem. I had an escalation agent TELL me this herself. And she PROMISED that this would not happen a third time. Well today, i uploaded even more evidence only to be responded with yet again - another copy and paste of the resolution from XXXX which has XXXX context to the current problem. 

This issue is costing me more than I paid for the cylinder head and it is causing me so much stress. I have not had my car driving for months because i can not get this resolved the right way with my bank. I am at a wits end and need help. 

I will attach my second explanation for the new problem that i provided for Amex as well for you to read.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: TX

Complaint narrative:
I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

1. XXXX XXXX XXXX  & date XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. XXXX  & date XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. XXXX  XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

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