vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/XXXXXXXX  I was a victim of a theft incident that resulted in fraudulent charges being made on my Goldman Sachs GM credit Card account on XX/XX/XXXX. On XX/XX/XXXXXXXX  I was out of town in the State of Florida and my wallet, multiple credit cards, cell phone and personal information were stolen. On XX/XX/XXXXXXXX  my GM credit card was used fraudulently multiple times. I was able to get access to a phone that evening on XX/XX/XXXX and call Goldman Sachs to report the fraudulent charges and report my card stolen. 

The fraudulent charges have been placed back on my account and re-disputed multiples times since XXXX. I was told to send in a Police report showing the theft details. There were previous issues of the Police report not being received after I mailed it out Multiple times since XXXX. In XX/XX/XXXX, I received a link from Goldman Sachs to my email to upload the police report and other documents to validate the fraud claim. I uploaded the police report and a copy of a receipt showing my previous cell phone device stolen and a new cell phone was purchased. On XX/XX/XXXX I received an email stating the charges that occurred on my GM Credit card on XX/XX/XXXX would be placed back on my account because there was no evidence to substantiate the fraud claim. 

I am a victim of theft and Identity theft that took place on my GM Credit card in XX/XX/XXXX. I did not make any of the charges that took place on my GM credit card on XX/XX/XXXX. I've sent multiple documents to substantiate the fraud claim and the claim still continues to be denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reaching out to request an update to the address listed on my credit report to ensure that my records accurately reflect my correct information. SEE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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 am writing to formally dispute the following account on my credit report, as it is not mine and appears to be reported in error. Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this account from my credit report : Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Status : Charged off, with a {$3300.00} write-off and {$3600.00} past due as of XX/XX/XXXXXXXX  I have never opened or authorized this account, and I believe this entry may be the result of identity theft or a reporting error. Since this account is not mine, I am requesting that you delete it from my credit file in accordance with the FCRA. 

As required by the FCRA, if you are unable to validate the debt or provide evidence that this account belongs to me within 30 days, you must delete it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: Marlette Funding, LLC
State: FL

Complaint narrative:
I am writing to formally dispute the following account on my credit report, as it is not mine and appears to be reported in error. Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this account from my credit report : Creditor Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Status : Charged off, with a {$3300.00} write-off and {$3600.00} past due as of XX/XX/XXXX I have never opened or authorized this account, and I believe this entry may be the result of identity theft or a reporting error. Since this account is not mine, I am requesting that you delete it from my credit file in accordance with the FCRA. 

As required by the FCRA, if you are unable to validate the debt or provide evidence that this account belongs to me within 30 days, you must delete it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a msg indicating my debit card was tried with incorrect pin several times when I contacted you, spoke to manager XXXX and she or her rep were unable to explain why this occurred, in fact they were clueless about any info from my accounts I need to know also what is the current interest rate. 
Im requesting someone competent to contact me via email or phone to resolve this and other issues asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: FL

Complaint narrative:
I am writing to formally dispute the following account on my credit report, as it is not mine and appears to be reported in error. Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this account from my credit report : Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Status : Charged off, with a {$3300.00} write-off and {$3600.00} past due as of XX/XX/XXXXXXXX  I have never opened or authorized this account, and I believe this entry may be the result of identity theft or a reporting error. Since this account is not mine, I am requesting that you delete it from my credit file in accordance with the FCRA. 

As required by the FCRA, if you are unable to validate the debt or provide evidence that this account belongs to me within 30 days, you must delete it from my credit report.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian is inaccurately reporting charge-off accounts on my credit report, despite multiple disputes and clear evidence proving the information is incorrect. The following charge-off accounts are being unfairly reported : XXXX XXXX XXXX XXXX Reporting Balance : {$1200.00} | Credit Limit : {$1000.00} XXXX XXXX  Reporting Balance XXXX {$4200.00} | Credit Limit : {$4200.00} XXXXXXXX XXXX XXXXXXXX Reporting Balance XXXX Credit Limit : {$2000.00} There are clear inaccuracies in these reporting items : Other major credit bureaus have already deleted these accounts due to a lack of substantial proof to verify their accuracy. This raises concerns about Experians failure to conduct a thorough and fair investigation. 

Charge-off accounts should not be reporting a credit limit, yet all three accounts still display credit limits. This is a clear violation of accurate reporting under the Fair Credit Reporting Act ( FCRA ). 

These errors have severely impacted my financial situation, including my ability to secure a mortgage loan and access new lines of credit. Experians failure to correct these inaccuracies has caused unnecessary financial and emotional distress. Under 15 U.S.C. 1681n, I have the right to hold them accountable for willful noncompliance.

I am requesting that Experian immediately remove these inaccurate charge-off accounts from my credit 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 2025-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: KS

Complaint narrative:
Please take note of this formal complaint of the collection efforts initiated by I.C. SYSTEM, INC pertaining to an alleged debt that has been reported to consumer credit bureaus reportingwith an account number as XXXX. It has come to my attention that this agency has violated several federal statutes, particularly the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

My primary concern revolves around the collection agency 's failure to furnish the validation information required by 12 CFR 1006.34 ( b ) ( 5 ) prior to reporting the collection account on my consumer credit report. This lack of compliance infringes upon my rights as a consumer and represents a clear violation of federal regulations that are designed to protect individuals from inaccurate and unsubstantiated debt reporting. Additionally, I have not been provided with the opportunity to dispute the alleged account by I.C. SYSTEM, INC owing them any monies reported in accordance with 12 CFR 1006.34 ( c ) ( i ). These actions by the collection agency not only undermine my right to challenge the accuracy of the debt but also constitute an unfair and deceptive practice under the FDCPA. 

Moreover, the agency has neglected to provide the necessary disclosures mandated by law prior to submitting the account information to consumer reporting agencies. This disregard for compliance with 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2 ( 7 ) ( A ) represents a significant breach that threatens the integrity of credit reporting systems.

15 U.S.C. 1681b : I.C. System, Inc. accessed my credit report without my authorization, in violation of my rights as a consumer. No previous notification was provided regarding the account, making this inquiry inappropriate.

Further, I hereby revoke any authorization for communication via email, text, or phone calls in accordance with my rights under the FDCPA.

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 2025-03-24 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 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 2025-03-24 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: FL

Complaint narrative:
I believe that these entries are either inaccurate, outdated, or have been reported in error. As per the Fair Credit Reporting Act ( FCRA ), I request that you investigate these entries and remove them from my credit report if they can not be verified as accurate. 

Upon reviewing my credit report, I noticed the following entries that I believe are incorrect or outdated : To assist in resolving this issue, I have enclosed copies of relevant documents that support my claim, including : XXXX XXXX XXXX XXXX Balance : {$21000.00} Experian XXXX Balance : {$21000.00} XXXX XXXX XXXX : {$0.00} Reporting twice/ inaccurate information XXXX XXXX XXXX : {$21000.00} XXXX XXXX XXXX Charged off as bad debt Canceled by credit grantor Experian XXXX Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
XXXX XXXX Charged off account Accounts closed by credit grantor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Please provide a written response within 30 days as required by law, confirming the results of your investigation and indicating any changes made to my credit report. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I believe that these entries are either inaccurate, outdated, or have been reported in error. As per the Fair Credit Reporting Act ( FCRA ), I request that you investigate these entries and remove them from my credit report if they can not be verified as accurate. 

Upon reviewing my credit report, I noticed the following entries that I believe are incorrect or outdated : To assist in resolving this issue, I have enclosed copies of relevant documents that support my claim, including : XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$21000.00} Equifax XXXX Balance : {$0.00} Reporting twice/ inaccurate information Equifax XXXX Balance : {$21000.00} XXXX XXXX XXXX Charged off as bad debt Canceled by credit grantor XXXX XXXX Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
Equifax XXXX Charged off account Accounts closed by credit grantor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Please provide a written response within 30 days as required by law, confirming the results of your investigation and indicating any changes made to my credit report. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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:
I believe that these entries are either inaccurate, outdated, or have been reported in error. As per the Fair Credit Reporting Act ( FCRA ), I request that you investigate these entries and remove them from my credit report if they can not be verified as accurate. 

Upon reviewing my credit report, I noticed the following entries that I believe are incorrect or outdated : To assist in resolving this issue, I have enclosed copies of relevant documents that support my claim, including : XXXX XXXX TransUnion XXXX Balance : {$21000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX : {$0.00} Reporting twice/ inaccurate information XXXX XXXX XXXX : {$21000.00} XXXX TransUnion XXXX Charged off as bad debt Canceled by credit grantor XXXX XXXX Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
XXXX XXXX Charged off account Accounts closed by credit grantor Reporting inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide a written response within 30 days as required by law, confirming the results of your investigation and indicating any changes made to my credit report. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

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 2025-03-24 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it.

TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX & TRANSUNION LLC Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it.

TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX & TRANSUNION LLC Inquiry Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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 DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: PA

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: MO

Complaint narrative:
My payment is due on the XXXX of month. Sometimes when I go to app to process a payment it gives you an error message until XXXX : XXXX, which is the so called cut off time. After XXXX they add a late fee. Sometimes the late fees is already added to the account. Even if you process you payment at XXXX : XXXX  on the due date. There is also a maintenance fee added monthly, even though the account was closed at my request. It is my understanding that a maintenance fee can not be charged on a closed account.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
Unauthorized items on my credit report, resulting from the fraudulent use of my personal information, continue to cause significant harm. I have never benefited from these transactions and have taken the appropriate steps by promptly filing a report with the Federal Trade Commission ( FTC ). Despite following the necessary procedures to address this issue, these fraudulent items remain on my report. Dealing with the ongoing effects of someone else 's misuse of my information has been incredibly frustrating. The continued presence of these unauthorized accounts negatively impacts my financial standing and violates my rights as a consumer.

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