vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 

XX/XX/XXXXXXXX XXXX Balance : {$75000.00} XX/XX/XXXX XXXX Balance : {$4900.00}

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 2025-02-04 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: FL

Complaint narrative:
Dispute of Inaccurate Information Under FCRA Section 605B, 15 U.S.C. 1681i, 15 U.S.C. 1601, and 15 U.S.C. 1692 Dear Sir/Madam, I am writing to dispute certain items on my credit report that I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and the Fair Debt Collection Practices Act ( FDCPA ). The disputed information includes a charge-off entry, late payment reports, and outdated addresses that do not reflect the accurate status of my accounts and personal information. I request that these items be investigated and corrected in accordance with the applicable laws.

Incorrect Information : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$19000.00} written off.

{$19000.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance : {$19000.00} Balance Updated : XX/XX/XXXX Recent Payment : - Monthly Payment : - Credit Limit : {$18000.00} Highest Balance : {$19000.00} Terms : - On Record Until : XX/XX/XXXX I believe this information is inaccurate due to the following reasons : 1. Charge-Off and

15 U.S.C. 1601 ( Truth in Lending Act ) : Under the Truth in Lending Act ( 15 U.S.C. 1601 ), creditors must accurately report the status of charged-off accounts, including the original balance and any interest. If the charge-off information is incorrect or misrepresented, it must be corrected to comply with the law. I request verification and correction of the reported balance and past due amounts, as they may not reflect the accurate status of this account. 2. Late Payments and 15 U.S.C. 1692 ( Fair Debt Collection Practices Act ) : The Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) mandates that any late payment reports accurately reflect the status of the account. If the reported late payments on this account are erroneous, I request that they be investigated and corrected to ensure compliance with this law. 3. FCRA Section 605B and 15 U.S.C. 1681i : Under Section 605B of the FCRA, outdated information should be removed from my credit report. Furthermore, 15 U.S.C. 1681i requires that inaccurate or incomplete information be corrected or removed within 30 days of receiving this dispute. I request that you investigate the charge-off entry and outdated addresses listed on my report and update my file accordingly.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Deletion of Charge-Offs from Credit Report Under 15 U.S. Code 1681 ( c ) ( 2 ) Dear Sir or Madam, I am writing to formally request that you delete certain charge-off entries from my credit report, as provided for under 15 U.S. Code 1681 ( c ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ). The entries in question are listed below : Creditor Name : XXXX XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Date Reported : XX/XX/XXXX Under the FCRA, charge-off information that is reported on a consumers credit report can be removed after seven years from the date of the initial delinquency. Based on my records, these charge-offs should no longer be reflected on my credit report as the time limit for reporting has expired.

As per 15 U.S. Code 1681 ( c ) ( 2 ), I am requesting the removal of this outdated information to ensure my credit report is accurate and compliant with federal law.

Please confirm receipt of this request and provide written confirmation when these charge-offs have been deleted from my credit file. If you require any additional documentation, feel free to contact me at ( XXXX ) XXXX or XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: CA

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 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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist Bank improperly used my credit I did not give permission for Truist bank to access my credit please provide proof that i provided permission to run my credit I request supporting documents with my signature giving Truist bank permission to run my credit Maxim of Law : XXXX XXXX XXXX XXXX 
Unequal things ought not to be joined.

I object to Truist Bank processing my personal data as is my right under Article 21 of the GDPR, CCPA and the UCC Please be advised of the following laws that Truist bank did not comply with NO written contract is enforceable if it is made without any element of a lawful contract : 1. Parties competent, of the age of consent, contract between legal or lawful entities.

2. Free and genuine consent, not obtained by fraud, deceit, coercion, or mistake.

3. Full disclosure, providing all material information that may influence a decision.

4. Sufficient consideration, something of value exchanged between the parties.

5. Certainty of terms and conditions, fixed and unable to be changed without agreement.

6. Meeting of the minds, when the parties recognise and understand their obligations.

7. Signatures or autographs, in wet ink, as recorded evidence of reciprocal consent.

Maxim of Law : Non videntur qui errant consentire.

He who errs is not considered as consenting.

Contract Case Law : Failure to reveal the material facts of a license or any agreement is immediate grounds for estoppel. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Waivers of fundamental Rights must be knowing, intentional, and voluntary acts, done with sufficient awareness of the relevant circumstances and likely consequences. XXXX XXXX XXXX XXXX XXXX XXXX at XXXX ( XXXX ) ; XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

Unconscionable contract - One which no sensible man not under delusion, or duress, or in distress would make, and such as no honest and fair man would accept. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

" Party can not be bound by contract that he has not made or authorized. '' 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 2025-02-04 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: LA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

XXXX XXXX BALANCED {$760.00}

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 explanation
Consumer complaint received 2025-02-04 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: PA

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Here I attach, along with the dispute, my fraud report that I just sent to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-02-04 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: WI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account. Please remove this account, it is hurting my ability to obtain credit.

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 2025-02-04 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: IL

Complaint narrative:
It has come to my attention. My personal information has been exposed in the national data breach reviewing my credit report reports I noticed some accounts I am unfamiliar with. I have asked the CRA for validation of debt however, the information has not been provided due to my information being exposed, I have submitted a FTC complaint reporting the information. I am not familiar with.

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 2025-02-04 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: GA

Complaint narrative:
I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXXData breach, my personal information has been compromised. I noticed that someone applied for something in my name without my authorization.

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 2025-02-04 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: GA

Complaint narrative:
I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXXData breach, my personal information has been compromised. I noticed that someone applied for something in my name without my authorization.

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 2025-02-04 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: Sunbit, Inc.
State: CA

Complaint narrative:
I am writing to request specific information regarding my account, [ XXXX ] I am particularly interested in the hollowing details I may be a victim of identity theft and trying to make sure this account is mine and accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
XXXX continues to report fraudulent accounts on my consumer repot despite having closed them due to confirmed fraud and the inability to verify their legitimacy. according to both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, these accounts must be deleted from my consumer report immediately.

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 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: RI

Complaint narrative:
I am filing this complaint against Goldman Sachs Bank USA ( Apple Card issuer ) for wrongfully withholding my credit balance refund of {$3400.00} and failing to resolve the issue despite repeated requests. I've been trying to get this resolved for a long time, but only last week I started recording everything, so find below a summary of events : - XX/XX/year> : I formally requested Goldman Sachs to refund my overbalance ( credit ) of {$3400.00} to my bank account on file ( ending in XXXX ). The agent confirmed the request was submitted and there were no more disputes open. Screenshot is attached.

- Follow-Up 1 : Days later, upon following up on the status of the request, another agent claimed the refund could not be sent electronically due to the " amount being too high '' and promised a paper check. Screenshot is attached. 

- XX/XX/year> : I called to check the status of my refund request, and a supervisor informed me that it was denied by the " back office '' due to open disputes on my account. However, it's important to notice that [ supervisor 's words ] " these disputes total less than {$250.00}, which should not justify withholding of the entire refund ''. Even the supervisor acknowledged that this reasoning does not make sense. Lets break this down logically : My total credit balance is {$3400.00}. If Goldman Sachs is concerned about the open disputes, they can simply deduct the disputed amountless than XXXX XXXXXXXXand release the remaining funds. Even in the absolute worst-case scenario where all disputes are resolved against me, there would still enough money left as overbalance to cover any potential liabilities.

There is no valid reason to withhold my entire refund when the disputed amount is a very small fraction of the total credit balance. The logical and fair solution is to process my refund after deducting the disputed amount.

In summary, Goldman Sachs is unlawfully withholding my funds. Ive received conflicting explanations from customer supportone says the amount is too high to refund electronically, while another cites open disputes totaling less than {$250.00}. Despite this minor amount in dispute, the back office refuses to release my funds, ignoring logical solutions. Even a supervisor agreed that theres no legitimate reason to withhold my money, as deducting the disputed amount would still leave a sufficient balance to cover any liabilities. This situation highlights inconsistencies and systemic issues within their dispute and refund process.

Please note that my bank account information on file and mailing address are both verified and up-to-date.

Given all of the above, I formally request the immediate release of XXXX XXXX ( total credit minus the disputed amount ) via electronic transfer to my bank account ( ending in XXXX ) or an overnight checkwhichever is faster.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
In XX/XX/year>, I was at XXXX XXXX XXXX  at XXXX XXXX, South Carolina. As a policy, XXXX XXXX XXXX  were not permitted to have their phones except on Sundays for XXXX minutes. One Sunday, I was given my phone and noticed I had notifications from Cash App. I saw transactions were withdrawn with small increments of {$50.00} up to {$200.00}. The largest withdrawal however was {$1200.00} totaling up to XXXX XXXX. I immediately notified my XXXX XXXX and arranged more allotted time to handle my financial predicament. In the next couple of days, I was given more time to call banks to resolve this matter. Cashapp however did not comply with my statements, even with provided evidence. it was a roundabout of useless messaging back and forth without any progress to resolve the matter. My bank reimbursed the money that was withdrawn from Cash App, however, Cash App charged my account with a negative amount my bank reimbursed. Cashapp eventually blocked my account and prevented me from logging in to see my information and the transactions taken out. I'm pretty sure it was logged on my credit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
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 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 2025-02-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: IL

Complaint narrative:
I have tried for months to get my account correct with Cash app. Try contacting customer service for months. My account was hacked and put me in the negative. I open up another account and it happened again. Money was taken from both accounts and somehow they got into my Chase Bank as well. Customer service never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nae-Mo Corp dba Matthews & Michaels
State: NM

Complaint narrative:
The debt collector ( XXXX and XXXX ) called a relative and told them information about my debt owed. The told them that they were looking for three of my vehicles and asked for a location of them. This is against the law. 
I have also already been in contact with the connection company prior to the call. The phone call to my relative took place on XX/XX/year> after I spoke to the company on XX/XX/year> as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Hello, please listen to the calls attached, the company stated the funds would be reversed on my card yet they are still showing up on XXXX XXXX and XXXX. Due to this my credit score has dropped over XXXX points. Before throwing my case away please listen to these calls as they clearly state the money will be returned

Company response to consumer: Closed with explanation