vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XX/XX/XXXX, I mailed a dispute letter via XXXX to TransUnion regarding inaccurate and/or unverifiable accounts on my credit report. I mailed a second dispute letter on XX/XX/XXXX due to receiving a letter stating that TransUnion thought I was using a XXXX party credit repair service. I did not receive any formal investigation results or verification documents within 30 days as required by the Fair Credit Reporting Act ( FCRA ). 

Instead, TransUnion sent me an email stating they were waiting for a response from the creditor, but they did not provide me with any results, proof of investigation, or evidence that the accounts belong to me. This response is not compliant with the FCRAs requirement to reinvestigate disputes and respond within 30 days. 

I took all necessary steps to properly file these disputes, including sending them directly by mail. Despite my efforts, TransUnion failed to conduct a timely investigation or provide verification. The accounts in question still remain on my credit report without proper documentation or deletion. 

Please see the following accounts I have disputed : XXXX XXXX account opened on XX/XX/XXXX and a balance of {$3800.00}. 

XXXX XXXX account opened on XX/XX/XXXX and a balance of {$1800.00}. 

XXXX account from XXXX and a balance of {$2300.00}.

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 2025-04-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

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 explanation
Consumer complaint received 2025-04-25 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am disputing a late payment being reported by Experian on my credit report for XXXX XXXX XXXX XXXX I previously submitted disputes regarding this same issue to both XXXX  and XXXX. After their investigations, both bureaus found the information to be inaccurate and removed the late payment from my credit file. 
However, Experian has not updated or removed the inaccurate late payment, despite being notified and having access to the same data through Metro 2 compliance standards. This inconsistency is now resulting in harm to my credit profile, even though two of the three major credit bureaus have corrected the issue. 

I submitted a written dispute to Experian on XXXX XXXX, and they have failed to update the information within the required 30-day period under the Fair Credit Reporting Act ( FCRA ). This delay and failure to act is a violation of 15 U.S.C. 1681i ( a ).

I am requesting that the CFPB intervene to ensure Experian corrects the reporting in accordance with the FCRA and Metro 2 standards, just as XXXX  and XXXX  have already done.

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 2025-04-25 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: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
In XX/XX/XXXX, a fraudulent Apple Card was opened under my identity without my knowledge or consent. I discovered this account while reviewing my credit report and immediately took action to report it. On XX/XX/XXXX, I submitted an FTC Identity Theft Report ( ID # XXXX ), followed by a police report filed with the XXXX Police Department ( Case ID : XXXX, XXXX XXXX # XXXX ). I also included a notarized affidavit, government-issued ID, and supporting documentation. 

Despite receiving these documents, XXXX  and Goldman Sachs/Apple Card have failed to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which requires a credit reporting agency and furnisher to block or remove fraudulent accounts upon receipt of valid identity theft documentation. 

XXXX  accepted the same documentation and fully blocked the fraudulent tradeline, demonstrating that the information provided was sufficient and valid. 

In contrast, XXXX  continues to delay and create obstructionsclaiming that the FTC report must specifically name Apple Card, even though the issuer, Goldman Sachs Bank USA, is clearly listed. They later demanded I submit a copy of my Social Security card, a requirement that is not mandated under FCRA. Meanwhile, the Apple Card account reappeared on my report after previously being removed, causing a XXXX drop in my credit score.

These ongoing actions have caused emotional distress, financial harm, and violate my federal rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: CITIBANK, N.A.
State: AL

Complaint narrative:
I disputed an account my best buy ending in XXXX to XXXX  and XXXX  on XX/XX/year>. The account is not mine and now it is recording as late payments which is making my credit score drop. Ive sent an additional dispute for those on XX/XX/year>.

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 2025-04-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: EAST WEST BANK
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally notify you of a serious incident involving the unauthorized access of my safe deposit box ( # XXXX ) and the alteration of its contents. I have been a customer of East West Bank ( XXXX XXXX XXXX ) since XXXX, and I have maintained this safe deposit box without issue for nearly 40 years. However, I recently discovered that my property had been tampered with, which raises significant concerns about the security of the facility. 

I accessed my safe deposit box on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On each of these occasions, I checked the contents of the box, and everything appeared intactthere were no signs of tampering. However, on XX/XX/XXXX, when I visited the box, I discovered that its contents had been rummaged through. Most notably, my brand-new XXXX watch was missing and replaced with an older model of the same brand. Furthermore, my original XXXX was found in a XXXX box, while the swapped watch had been placed in a XXXX box. 

I returned on XX/XX/XXXX, with my husband and XXXX daughters to further inspect the box. During this visit, we noticed scratches around the lock area, which strongly suggested that the box had been tampered with. 

It is clear that someone unauthorized accessed my safe deposit box sometime between XX/XX/XXXX and XX/XX/XXXX, and swapped my XXXX watch. 

To address this matter, I have taken the following steps : XXXX. On XX/XX/XXXX, I filed a police report with the XXXX Police Department regarding the incident. 

XXXX. On XX/XX/XXXX, I filed a written complaint with the Office of the Comptroller of the Currency ( OCC ) Customer Assistance Group. 


Thank you for your attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Venmo is owned by PayPalXXXX XXXX XXXX XXXX  Is holding my funds, there customer service number is trash its just AI what in the actual XXXX is that company how is it a company anyways there holding my funds and saying there taking there sweet time to get my funds out my account. Why cant just make a company and make fake statements and hold hundreds of dollars XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: TN

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion violated 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 an account without my written instruction.They did not get my permission to furnish my information to XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX  Account and I do not have the full account number XXXX is all that is showing on the credit report, I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certification Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Optio Solutions, LLC
State: VA

Complaint narrative:
I received a mailed collection notice from Qualia Collection Services in XX/XX/year> for a {$650.00} rental charge from XXXX XXXX XXXX. I called XXXX in early XXXX to inquire about the debt. During the call, the representative specifically stated that he could initiate the dispute process right then and there, while we were still on the phone. He also instructed me to send in supporting documentation by mail to complete the process. I followed his directions and mailed a formal written dispute with supporting documents via certified mail, which was delivered within the same week around XX/XX/year> well within the 30-day dispute period under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I requested full validation of the debt and all itemized supporting documentation. The company never responded. 

Despite this, on or around XX/XX/year>, the account was flagged and reported to XXXX. I received an alert showing it was marked as a new collection, and my credit score dropped as a result. However, the account is not visible anywhere on my XXXX  credit report, meaning I can not dispute it through standard consumer channels. 

Additionally, I am an active duty service member and terminated my lease lawfully under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3955. This debt should never have been reported. These actions violate the FDCPA, FCRA, and SCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: FL

Complaint narrative:
Equifax allows me to dispute hard inquiries on my file while XXXX does not. I attempted to dispute some hard inquiries in which I did not authorize and I can not even send a supporting letter asking where my authorization for these inquiries are. Equifax keeps returning my disputes within 24 hours saying that these inquiries are accurate without at least allowing me to send a letter in the mail or giving me somewhere to upload a supporting letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Payment issues
Company: SLM CORPORATION
State: CA

Complaint narrative:
I I took out a student loan from Sallie Mae to enroll in a XXXX XXXX XXXX course offered by XXXX XXXX XXXX  in California. Before starting the program, I was promised that the course would help me find a job in the XXXX  field. 

However, it has been over a year since I completed the course, and despite sending out hundreds of resumes, I have not received a single interview invitation. The program did not provide the promised career support or pathways into employment.

Now I am left with a {$21000.00} loan and no income. I feel I paid for something that did not deliver on its promises, and I lost a year of my life and financial stability.

Please let me know if you can help resolve this situation or provide any form of assistance. Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
this is afee for Apartment Application bit its raid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 non-monetary relief
Consumer complaint received 2025-04-25 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: NJ

Complaint narrative:
I am currently disputing these accounts, that are inaccurate. These items do not reflect my payment history or financial responsibility.

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 2025-04-25 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

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 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 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 2025-04-25 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: Klarna AB
State: GA

Complaint narrative:
Purchase wallet from XXXX via Klarna XXXX. 
Returned item to XXXX store on XXXX I still have not received the refund of XXXX after multiple calls, emails, escalations, and investigations.

Company response to consumer: Closed with explanation