vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: LA

Complaint narrative:
This is a formal complaint against Goldman Sachs Bank USA regarding improper late payment reporting and charge-off actions on my Apple Card account. According to federal law under 15 U.S.C. 1666b, it is a billing error to treat a payment as late unless the creditor has ensured that the billing statement was mailed or delivered at least 21 days prior to the due date. 

Goldman Sachs/Apple Card reported late payments for the months of XXXX through XX/XX/year>. However, I did not receive any billing statements at least 21 days before the respective due dates for those months. As a result, these reported late payments are not legally valid and constitute a clear billing error. Under 15 U.S.C. 1666b, a creditor may not treat a payment as late for any purpose, including reporting to credit bureaus, unless that statement delivery standard is met. 

I have already contacted Goldman Sachs and requested hard proof that statements for the affected months were sent in compliance with the statute. To date, I have not received any documentation that confirms timely delivery of these statements. I did not get the statements within the federally required timeframe, and this has resulted in inaccurate negative reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX  debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-03-26 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: MO

Complaint narrative:
I recently found that there are several fraudulent items on my credit 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 W2.

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 2025-03-26 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: MO

Complaint narrative:
I recently found that there are several fraudulent items on my credit 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 W2.

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 2025-03-26 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am extremely concerned about the blatant discrepancies in my credit report regarding my XXXX XXXX account, and I demand immediate action to correct these errors.

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 2025-03-26 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: GA

Complaint narrative:
I am extremely concerned about the blatant discrepancies in my credit report regarding my XXXX XXXX account, and I demand immediate action to correct these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I purchased a XXXX from XXXX and later returned it, but the device was lost in transit. XXXX promised me a refund on three separate occasions, yet I never received it. To support my claim, I provided chat logs of XXXX representatives confirming the refund, along with a police report I filed regarding the lost return. 

Despite presenting this evidence, Chase has refused to assist me, denied my dispute, and is unwilling to reopen my claim. I have exhausted all options and need help recovering my money. I am requesting CFPBs assistance to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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 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 non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened a Care Credit account through my chiropractors office on XX/XX/XXXX. At the time, I was not informed that the account included a deferred interest promotion. No one at the office explained the promotional terms to me, and I was never made aware that interest would be retroactively applied if the balance wasnt paid in full by a certain date. 

In XX/XX/XXXX, I discovered over {$550.00} in interest had been added to my accountcovering the period from XX/XX/XXXX to XX/XX/XXXX. The following month, an additional {$37.00} in interest was charged. I sent a certified letter to Care Credit in XX/XX/XXXX requesting these interest charges be removed. I also followed up by phone, but was told my request was denied because I had signed the agreement and submitted a copy of my drivers license when I opened the account. 

While I understand that my signature is on file, I signed those forms because thats typically whats required to open a credit cardnot because I fully understood or was made aware of the specific promotional terms buried in fine print. In fact, if this promotion was such a major selling point, it should have been clearly and obviously stated. Instead, the promotion was tucked into small jargon that most people, like me, wouldnt reasonably understand during a XXXX XXXX visit. 

I feel misled. If Care Credit truly wanted customers to benefit from a deferred interest promotion, they should make the terms transparent and easy to understandespecially at the point of sale. For comparison, when I opened a XXXX XXXX credit card in the past, the interest-free promotion was clear, well-advertised, and fully explained, which is what motivated me to sign up. In contrast, the XXXX office staff do not work for Care Credit and were not trained or equipped to explain any promotional details. I simply needed a way to pay for my treatment, and signing the credit application felt like a necessary stepnot an informed financial decision. 

I am requesting that Care Credit remove the interest charges and allow me to pay only the remaining principal balance. These charges were based on promotional terms that were not clearly disclosed or explained, and I believe I was taken advantage of during a vulnerable moment when I was seeking medical care.

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 monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have contacted XXXX several times trying to deal with this issue. On XX/XX/XXXX, I visited XXXX XXXX XXXX to get a XXXX  that was supposed to take XXXX to XXXX  months depending on the result. They told me I needed health insurance and good credit to start the treatment. I had no idea when they were pulling my credit they were applying for a loan in my name. They never ask me to sign anything. I went for 2 or 3 sessions and stopped because I had a XXXX  XXXX  and was XXXX  for a few months and did not return. I thought my insurance covered the few sessions and that was it. Last year in XXXX, I noticed XXXX was on my credit report with a loan for {$5700.00}. I call XXXX right away and they told me it was done by XXXX XXXX XXXX. I tried to contact XXXX XXXX XXXX and they kept giving me the run around that I had to speak to the manager and he was never available. XXXX XXXX XXXX closed down this year and now I have only XXXX and XXXX to deal with. I spoke to XXXX and they only gave XXXX the money to give out loans but they had nothing to do with the loan. I filed complaints with XXXX  and FTC, and now I going to file with the Attorney general because this should not happen to anyone else again. I blame XXXX for allowing loans to be done without a signature, a docusign or written signature should always be required to take out a loan. This could have been a {$50000.00} loan and I would of had no idea.

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 2025-03-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
Ive attempted to dispute the validity of this account from Amsher Collection from XXXX and it says debited without any information. I disputed two more times with the same outcome but no information sent to me. I contacted XXXX and they told me my final balance is XXXX so I contact Amsher to pay that amount only for them to say they dont know anything about my account check with XXXX XXXX agency. I dont know whats going on I need proof as to what is owed so I clear this matter up and no one has sent net anything please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX **Date** : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam, Subject : Credit Dispute Civil Liability for Negligence and Noncompliance I am writing to formally dispute certain items on my credit report under the Fair Credit Reporting Act ( FCRA ), particularly in reference to Section 1681.0, which outlines civil liability for negligence and noncompliance when reporting information to consumer reporting agencies. 

I have recently received a copy of my credit report from XXXX, and I am concerned about the accuracy of certain entries. Notably, XXXX has already removed all derogatory and collection items from my credit file, which I believe should also apply to my XXXX report, especially in light of the fact that these items may have been reported negligently or without proper verification. 

Under the FCRA, reporting agencies such as XXXX are obligated to ensure the accuracy and completeness of information reported. Section 1681 holds these agencies accountable for negligence and noncompliance in maintaining accurate credit files. Therefore, I am requesting that you conduct a thorough review and investigation into the items that have not yet been removed from my report. 

Specifically, I request that you : Review all derogatory and collection items reported on my credit file to ensure they are accurate and comply with the provisions of the FCRA. 

Remove any outdated, inaccurate, or unverifiable information, as these accounts have already been removed from my XXXX report. 

Provide a copy of the documentation or records used to substantiate the continued reporting of these derogatory or collection items. 

I ask that you respond to this dispute within the 30-day time frame required by the FCRA. If the investigation reveals that the information reported is inaccurate or unverifiable, I request the immediate removal of these items from my credit report. 

Please treat this matter with the urgency it deserves. If I do not receive a timely and satisfactory response, I will take the necessary steps to protect my rights as a consumer, including escalating the issue to regulatory authorities. 

Thank you for your prompt attention to this matter. I look forward to receiving your response and a corrected version of my credit report. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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:
I DO NOT RECOGNIZE THIS ADDRESS PLEASE REMOVE THANK YOU XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX NY 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 2025-03-26 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: NJ

Complaint narrative:
I just reviewed my credit report and noticed some inquiries I dont recognize. Im really anxious because I believe Ive been a victim of fraud. This whole situation has been incredibly stressful, and its preventing me from accessing the credit I urgently need. 
Im truly overwhelmed and dont know what else to do. Please, I sincerely ask for your help in getting these fraudulent inquiries removed. Any assistance you can provide would mean so much to me. XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: MS

Complaint narrative:
I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. Here is the account that I am asking you to verify : I am demanding a deletion of the following account. 
XXXX XXXX acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TX

Complaint narrative:
I was charge by a company that posed to be XXXX XXXX l when contacting them via phone to handling a negative that is been reported to my credit report. The rep told me that it was discrepancy because the dates where errors on my credit report. I ask the rep to provide me with a letter about this error to provide to an apartment complex I was trying to move-in. The rep told me that I will need to pay {$370.00} on XX/XX/year> for the letter and will receive it within XXXX to XXXX hours via email. When I received the letter on XX/XX/year>, it didn't say anything about XXXX XXXX was reported as a error on my credit report. Then the same company that posed to be XXXX XXXX sent me a email to settle the for {$440.00}. I dispute the amount I was charge {$370.00} due to the false information from the company that posed to be XXXX Funding but was actually XXXX XXXX with CashApp and explain my issue in the dispute with CashApp and they denied my dispute. The rep mislead me and didn't not tell me that I was enrolling in a credit repair program. If I had of known this I would not made the transaction, I would had put the amount towards the settle amount with XXXX XXXX. The rep didn't mention this at all and misled me to do a transaction of something that did not help me to move into this apartment complex.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-03-26 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Debt Validation Request Failure to Provide Documentation To Whom It May Concern, I am writing to formally dispute the alleged debt associated with account [ # XXXX ] that you claim belongs to me. I previously requested validation of this debt, including documentation with my original signature proving that I opened this account. However, to date, I have not received any such validation or documentation from your company. 
Additionally, I have noticed that the name on the account does not match my legal name or the correct spelling of my name. This raises further concerns regarding the accuracy and legitimacy of this debt. 
Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I have the right to request proper validation of this debt. Since you have failed to provide the required documentation, I request that you cease all collection efforts and remove any related negative reporting from my credit report immediately. 
If you continue to attempt to collect this debt without proper validation, I will have no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's office. 
Please provide written confirmation of your decision regarding this matter. I expect a response within 30 days from the date of this letter. 
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