vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Contacted numerous times and give different answers each time. The Goldman Sachs rep on the last call was unwilling to assist and very rude. The total amount was paid in full before the due date. The payment tool confirmed no interest if said amount was paid in full. Next statement included a hefty interest amount, higher than I have ever paid with this card, so contacted both Apple and Goldman Sachs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-08 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: UT

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hi, I received a dispute filed against me for an item I advertised on XXXX XXXX and sold through Venmo. I have made multiple attempts ( like XXXX or more ) to submit a response to defend my case and receive an error message. something went wrong try again later. 

I feel this is unfair as I have a deadline of XX/XX/XXXX and can not plead my case or get help from Venmo to submit my response. 

Ive called and emailed Venmo with no solution. Its nearly impossible to speak to a live person. When I finally spoke to someone, they put me on hold and then I was disconnected. 

They have a few in their system and Im at risk of losing money due to fact that Im unable to use their system to submit documentation or proof of my claim. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: MO

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Identity Theft Notification and Request for Immediate Action XXXX XXXX Account To Whom It May Concern : I am writing to formally notify you once again that I am the victim of identity theft and that the XXXX XXXX account currently appearing on my Experian credit report is the result of fraudulent activity. This matter was previously reported to you through a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) more than four ( 4 ) days ago, and I submitted supporting documents with that complaint. I am now resubmitting those same documents with this letter.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, once a consumer reporting agency is notified that an account or information on a consumer report is the result of identity theft, the agency must block the reporting of that information within four ( 4 ) business days of receiving : Appropriate proof of identity, A copy of an identity theft report ( such as a police report or FTC Identity Theft Report ), The identification of the fraudulent information, and A statement from the consumer that the information is not related to any transaction made by them. 

The law clearly states that once you are informed that an account is the result of identity theft, you must block the fraudulent information from the consumer report and may then conduct an investigation only if warranted, but you can not continue to report the disputed item while investigating.

Your failure to comply with the requirements under the FCRA subjects Experian to liability, including actual damages, statutory damages, punitive damages, costs, and attorneys fees under 15 U.S.C. 1681n and 1681o. Continued reporting of fraudulent accounts after being notified constitutes willful noncompliance and may result in substantial legal and financial penalties.

Therefore, I am demanding that you : Immediately block the XXXX XXXX account from my credit report, as required by law. 

Provide me with written confirmation that the account has been blocked and removed from my credit report. 

Cease all reporting of this account to third parties. 

If you fail to comply, I will have no choice but to pursue legal action to protect my rights and recover damages, including but not limited to filing a lawsuit against Experian. 

Please consider this letter a final opportunity to comply with your obligations under the law. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Does XXXX count was fraud so this happened four or five years ago and they removed it from my credit report then a third-party got it again in XX/XX/XXXX and they pop back on their when I already had proved to them. It wasnt mine. It was fraud so Im trying to get it off my credit report now. The third-party called Jefferson Capitol .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute of Account Allegedly Purchased from Comenity Bank ( XXXX XXXX Ending in XXXX ) To Whom It May Concern, I am formally disputing the validity and reporting of the above-referenced account, which you claim to have purchased from Comenity Capital Bank XXXX I was not notified of the sale or assignment of this debt, and I have not received any legal documentation verifying that XXXX XXXX XXXX XXXX XXXX is the rightful owner of this account. 

Specifically, I have not been provided with an assignment of contract, bill of sale, or chain of title demonstrating your legal authority to collect or report this debt. Until such documentation is produced, I consider your reporting of this account to the credit bureaus to be inaccurate, unverifiable, and misleading. 

Furthermore, I have found inconsistent and conflicting information regarding this account across all three major credit reporting agencies. This includes discrepancies in the balance, ownership status, and date of first delinquency. These inconsistencies violate the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus be accurate and verifiable. 

Therefore, I am requesting the following : 1. Immediate removal of this account from all credit reporting agencies unless and until you can provide full validation of the debt, including a copy of the original signed agreement, assignment documents, and a complete chain of title.

2. A full accounting of the amount you claim is owed, and how it was calculated. 

If you are unable or unwilling to provide the above documentation within 30 days, I demand that this account be immediately deleted from all credit bureaus. Failure to comply will leave me no choice but to escalate the matter through legal channels for willful violation of the FCRA and FDCPA. 

Please note this is not a refusal to pay, but a request for validation made in good faith. All future correspondence regarding this matter should be in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: MOHELA
State: GA

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my consent, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request : Violation of the Family Education Rights and Privacy Act ( FERPA ), my student records disclosed without my permission, violating FERPAs strict confidentiality protections. Breach of the Privacy Act of 1974. My personal and financial information was improperly accessed and shared without my consent violating my privacy rights under federal law. Violation of the Higher Education Act. As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates failure to uphold these legal protections. The Federal agencies responsible for safeguarding my data failed to do so, putting my financial security at risk, and disclosed my information to third parties without my consent. 

I disputed this information with XXXX  on XX/XX/XXXX and they completed the dispute on XXXX/XXXX. The findings said that the credit bureau verified the account. I did not understand how the account was verified in such short time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NJ

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really concerned about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I've worked hard to build my credit, and it is disheartening to know that my rights as a consumer is being violated. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

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 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I called Security Service Federal Credit Union on Thursday XX/XX/XXXX to find out why I have a closed account ( XX/XX/XXXX ) owing {$1400.00} after a year of no money put into the checking account, they offered no details or help of how to fix account, instead they said either pay it back or figure it out, no plans were offered. Months before the closing the checking account I requested a XXXX XXXX bill to be blocked and was denied online. I called and no one helped me. That dug a hole an enormous amount of overdraft fees and XXXX fees to where I had no money. They still allowed for that to happen, they didnt call me or contact me to help me. They said on XX/XX/XXXX that because it is a contract with me and XXXX XXXX  they had to allow it to go through. I had every right to block any bill, the bank is not apart of the contract. Consumer have rights to block bills. I know that very well. I have been wrongfully charged for fees I tried to put a stop to so the account wouldnt be closed. I had no choice but to move money elsewhere. XXXX claims they offer excellent service and willing to help their members no matter what but that is completely false. I feel wronged and now I am stuck in a hole due to 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 2025-05-08 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: CA

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. CXXXXe XXXX ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required XXXXday notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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 2025-05-08 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really concerned about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I've worked hard to build my credit, and it is disheartening to know that my rights as a consumer is being violated. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

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 2025-05-08 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: Incomm Holdings Inc.
State: OH

Complaint narrative:
I purchased a {$500.00} vanilla gift card there were charges put on it that I did not authorize so I filed the dispute 3 weeks ago they are now telling me I have to wait until XX/XX/XXXX and I am a XXXX  citizen who now my funds are all tied up and I have not been able to pay my rent and there is no actual live operator to talk to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit Coll XXXX : Dispute of Debt and Request for Validation Dear Credit Coll, I am writing to formally dispute the alleged debt acct XXXX XXXXXXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide validation of this debt, including the original creditors name, the amount owed, and documentation proving that I am legally responsible for it. Furthermore, I am asserting my rights under the FDCPA and other applicable laws regarding debt collection practices. Please take note of the following violations that may have occurred : XXXX. Failure to Provide Validation Under 15 U.S.C. XXXX ( b ), if I dispute a debt in writing within XXXX days, you must cease collection efforts until you provide proper verification. XXXX. Harassment or Abuse Under 15 U.S.C. XXXXd, debt collectors may not engage in conduct intended to harass, oppress, or abuse, including excessive phone calls or threats. XXXX. False or Misleading Representations Under 15 U.S.C. XXXXe, you may not use deceptive means to collect a debt, including misrepresenting the amount or status of the debt. XXXX. Unfair Practices Under 15 U.S.C. XXXXf, unfair or unconscionable means may not be used in an attempt to collect a debt. XXXX. Improper Third-Party Disclosure Under 15 U.S.C. XXXX ( b ), you may not discuss my debt with unauthorized third parties. XXXX. Threats of Legal Action Not Intended Under 15 U.S.C. XXXXe ( XXXX ), debt collectors can not threaten legal action they do not intend to take. If any of these violations have occurred, I request that you cease all collection activities immediately and correct your actions to comply with federal and state laws. Additionally, I request that all further communications be made in writing only and sent to the address provided above. If you fail to comply with this request, I am prepared to report these violations to the Consumer Financial Protection Bureau ( CFPB ), my states Attorney General, and consider legal action as necessary. Please respond in writing within XXXX days of receiving this letter. If you are unable to validate this debt, you must remove it from any records, remove these items from my credit report immediately, and cease all collection attempts. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: National Healthcare Collections, LLC
State: TX

Complaint narrative:
I disputed a collection account from National Healthcare CO with XXXX on XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA XXXX, 15 U.S.C. XXXXi ), XXXX was required to complete a reasonable reinvestigation within XXXX daysby XX/XX/XXXX, XXXX failed to do so. 

In addition, I sent a Method of Verification ( MOV ) letter to TransUnion and a Debt Validation Letter to National Healthcare CO on the same day. Both were received ( I have XXXX tracking proof ), yet neither party provided legally required documentation showing that the debt is valid or that I am responsible for it. 

XXXX later responded on XX/XX/year>, claiming the item was Verified as Reported, but no explanation or evidence was ever sent to me by mail or electronically. I have received no documentation, despite requesting verification multiple times. 

This failure to verify, respond within the required timeframe, or provide evidence violates my rights under the FCRA. I am requesting that this account be immediately removed from my XXXX credit report for failure to comply with federal law. 

Attachments include XXXX tracking confirmation and dispute letters.

Company response to consumer: Closed with explanation