vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
Dispute of Credit Denial and Request for Justification Under Federal Law Dear Apple Card Review Department, I am writing to formally dispute the denial of my recent application for an Apple Card. I believe the decision to deny me credit XXXXay have violated federal consumer protection laws or lacked adequate justification based on my recent improvements in credit standing and responsible financial behavior. 

Legal Grounds for Dispute : 1. Equal Credit Opportunity Act ( ECOA ) 15 U.S. Code 1691 Under ECOA, a creditor may not discriminate against an applicant on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or the exercise of rights under the Consumer Credit Protection Act.

2. Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681m Under FCRA, if a credit decision was made based on information in a credit report, the creditor must provide an adverse action notice that includes : - The specific reasons for the denial.

- The name and contact information of the credit reporting agency used.

- My rights to dispute the accuracy of the information.

3. Recent Credit Activity Since improving my financial standing, I have : - Reduced my outstanding balances. 
- Maintained a positive payment history. 
- Demonstrated responsible credit utilization. 

These factors appear not to have been considered in your decision. I request a full manual underwriting review of my application under Section 202.6 of Regulation B ( ECOA ), which allows a lender to use judgment in evaluating creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NY

Complaint narrative:
Ive disputed this XXXX XXXX credit card charge off with all XXXX credit bureaus ; who continue to report drastically different and in accurate information on my credit report in direct violation of the FCRA. They have returned multiple times with different results. Which proves that the information being reported is inaccurate and unverifiable. But they keep returning with sham results. This account needs to be removed from my profile as it is causing me undue financial hardship. I intend to formally sue all XXXX bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: NY

Complaint narrative:
Ive disputed this XXXX XXXX credit card charge off with all XXXX credit bureaus ; who continue to report drastically different and in accurate information on my credit report in direct violation of the FCRA. They have returned multiple times with different results. Which proves that the information being reported is inaccurate and unverifiable. But they keep returning with sham results. This account needs to be removed from my profile as it is causing me undue financial hardship. I intend to formally sue all XXXX bureaus.

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 2025-05-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: SC

Complaint narrative:
I am disputing the following collection accounts that have been added to my credit report without my knowledge or consent : IQ Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are the result of identity theft and are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

I never received a written notice of these debts, nor was I given any opportunity to dispute or validate them as required by law. Under 15 U.S.C. 1692g ( a ) of the FDCPA, a debt collector must send a written notice within five days of initial communication, including the amount of the debt, the name of the creditor, and a statement of my right to dispute the debt. This did not happen for any of the accounts listed above. 

Additionally, under 15 U.S.C. 1681s-2 ( b ) of the FCRA, furnishers of information are required to conduct a reasonable investigation when a dispute is submitted. No proper investigation was conducted, and the inaccurate information remains on my credit reports.

These are willful violations of federal consumer protection laws. Per 15 U.S.C. 1681n and 15 U.S.C. 1692k, I am entitled to {$1000.00} per violation in statutory damages, in addition to actual damages and further relief. 

I am requesting the immediate deletion of all fraudulent and unvalidated accounts from my credit reports and a formal investigation into the collectors failure to comply with federal law. If not resolved promptly, I will pursue further legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
i asked Chase why my credit card statement failed to provide the three-year payoff information as required. Their written response was that they could not discuss

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against DEBT RECOVERY SOLUTIONS regarding an account I have with them XXXX XXXX XXXX XXXX XXXX I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$730.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with DEBT RECOVERY SOLUTIONS but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, experian and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, experian and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

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 2025-05-10 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: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
Experian continues to show multiple hard inquiries that should be combined to show as one. The inquiries were during a one week period when I had been mortgage rate shopping. The Experian guidelines state that when mortgage shopping during a specific number of days that the hard inquiries will be combined to show as one. Each time I inquire, Experian states they are combined but is unable to prove and pretty much state to take their word for it. I have informed Experian several times to no avail that companies such as XXXX XXXX  are showing all of the inquiries as hard inquiries and none are combined. Experian refuses to correct and now I have been denied a consolidation loan that is much needed due their errors, arrogance and refusal to correct. I have not been denied a loan in over 30 years and now I am denied because experian refuses to review and correct their error. This needs to be corrected immediately. I can provide a screenshot from the Experian website where it shows 12 hard inquiries but they will deny even when you are looking at this number. FIX THIS NOW. I AM AS FAR AS I CAN GO DEALING WITH THE EXPERIAN INCOMPETENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: FL

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 XXXXXXXX, 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 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 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
In XXXX, Amex offered 10 % back for purchases made at XXXX using the Amex affliate link on their app. I clicked the link ( from their app ) and made a purchase totaling {$940.00} using their card. I never received the 10 % statement credit. Upon contacting Amex customer service, they informed me that there was no record of me activating the offer. I clearly activated the offer because the link I purchased through included Americanexpress in the url. This is deceptive, as I XXXX not have made this purchase if I wasnt receiving the bonus offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: Chime Financial Inc
State: MA

Complaint narrative:
XX/XX/year> no money was dispersed from atm but was taken off my card. Got in contact with atm company money was reversed immediately. My bank will not put it back in my account. For a couple of months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I am working to inform you that transworld systems is my all XXXX credit reports. I have tried multiple times with no luck to get a hold of these people. So XXXX XXXX sold my information to this company which I did not sign or authorize this. My daughter had a balance with them and when she moved they transferred it to my son 's acct somehow. Then my son 's acct was closed and they both had a balance together now for XXXX $ this has now gone onto my credit report. This is incorrect information and I have disputed it multiple times with no luck. Please help me get this resolved XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX * * * Balance : {$550.00} XXXX XXXX XXXX XXXXXX/XX/year> Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 2025-05-10 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: GA

Complaint narrative:
I have submitted multiple disputes, including my most recent on XX/XX/year>, regarding the inaccurate and potentially unverifiable accounts listed in the letters. To date, I have received inadequate responses claiming that the accounts were " verified '' without providing the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ).

Despite repeated requests, they have failed to provide : 1. The specific method of verification used for each item.

2. The name and contact details of the data furnisher ( s ).

3. Any documentation relied upon during the investigation.

This is a clear violation of both 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ), and I intend to hold these agencies accountable.

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 2025-05-10 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: GA

Complaint narrative:
I have submitted multiple disputes, including my most recent on XX/XX/year>, regarding the inaccurate and potentially unverifiable accounts listed in the letters. To date, I have received inadequate responses claiming that the accounts were " verified '' without providing the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ).

Despite repeated requests, they have failed to provide : 1. The specific method of verification used for each item.

2. The name and contact details of the data furnisher ( s ).

3. Any documentation relied upon during the investigation.

This is a clear violation of both 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ), and I intend to hold these agencies accountable.

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 2025-05-10 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, experian and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, experian and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

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 2025-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Fay Servicing, LLC
State: CO

Complaint narrative:
Fay Servicing is refusing to allow me to transfer title of my primary residence to my wholly owned LLC without refinancing, despite this being permitted under XXXX XXXX XXXX Guide XXXX and XXXX XXXX XXXX XXXX XXXX. 

These guidelines allow borrowers to transfer mortgaged property to an LLC they control without triggering the due-on-sale clause or requiring loan modification, as long as the borrower retains a majority interest and remains personally liable for the loan. My loan meets these conditions, but Fay is obstructing the transfer in violation of servicing rules applicable to federally backed conventional loans. I request the CFPBs assistance in compelling Fay to follow applicable regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
On XX/XX/year>. I attempted to start an account at XXXX online and then via phone. They used an ID checking product that they said came from the 3 credit bureaus. None of the multiple choice answers were correct. There were at least 6 questions. I specifically recall that they asked about my high school, my phone number, and my prior city of residence. So, XXXX refused to do business with me. I requested a letter stating where this ID-checking app came from. They refused to give me anything in writing, but they said it was a combo of all XXXX credit bureaus. I called all 3 credit bureaus. They all denied having anything to do with any type of ID checking app and all stated they don't even have high school as a data field that they keep.

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